Enforcement Agents Services Ltd may end up contacting a high number of people each day to discuss their outstanding debt. The fact is that debt is a major issue these days, and there are many people who are really struggling with their finances. If you are dealing with unpaid debt, there is every chance that you will be contacted by Enforcement Agents Services Ltd or a similar company.
It can be upsetting to be contacted by bailiffs, especially if you are already dealing with financial struggles. However, you need to take steps to deal with your situation, and the sooner you do this, the better. As long as you know how to deal with these bailiffs, you will no what rights you have, and you will be better equipped to handle any of their requests.
Who are Enforcement Agents Services Ltd?
Enforcement Agent Services Ltd are based in Caerphilly, Wales and controlled by Craig Vernall. They operate throughout England and Wales and they provide a range of enforcement services. They are members of the Civil Enforcement Agents Association and the Chartered Institute of Credit Management.
They specialise in commercial and residential property matters and claim to have a 100% success rate in traveller and squatter removals. Enforcement Agent Services Ltd have been featured on Channel 5 show “Can’t Pay? We’ll Take It Away!” which is currently available via Netflix.
Apex House, Suite 352 Thomas Street, Trethomas, Caerphilly, Mid Glamorgan, United Kingdom, CF83 8DP
Also Known As:
Enforcement Agent Services Ltd Limited
Enforcement Agent Services Ltd Ltd
Enforcement Agent Services Ltd Group
Enforcement Agent Services Ltd Bailiffs
Enforcement Agent Services Ltd Debt Collectors
Enforcement Agent Services Ltd Debt Collection
Enforcement Agent Services Ltd Agency
Why Are They Reaching Out?
If you have never had the pleasure of dealing with Enforcement Agents Services Ltd or any similar companies, you are probably wondering how legitimate they are. They are a legitimate company, and if they try to contact you, it is important that you don’t just ignore them. These are some potential reasons they could be reaching out to you.
- Debts you have failed to pay individuals, businesses or other organisations
- Tax and tax credit overpayments from HMRC which are unpaid
- Credit cards or payday loans you have failed to pay back
- Court fines you have failed to pay
The original creditor will pass the debt over to Enforcement Agents Services Ltd to deal with, as they have not been able to get in touch with you or you have failed to make steps to pay the debt back. You may not recognise Enforcement Agents Services Ltd, as your debt will be with another company. However, they have the right to try and collect it, so you shouldn’t just ignore them.
These are some companies they may be contacting you on behalf of:
- Gas and electricity companies, such as NPower.
- Mobile and broadband companies including Virgin Media and EE
- Local council debt, including parking tickets
It is likely that Enforcement Agents Services Ltd will have bought the debt in bundles, rather than individually, as it is more worth your while. They do not collect the money for the benefit of the creditor, they do it to make money, and there is huge profit potential for them, especially when they are purchasing so much debt.
Is There A Way to Stop Enforcement Agents Services Ltd From Contacting You?
As Enforcement Agents Services Ltd will make a profit when you repay your debt, it is understandable that they will be quite persistent in their pursuit for the debt. They may start by sending letters or calling you, but this could quickly escalate to home visits. You should not just bury your head and ignore them, it is always better to try and sort out your debt situation, as quickly as possible.
You may find that Enforcement Agents Services Ltd have been used as a means of serving you with summons or a notice. If they do this though, they should still be giving you 7 days’ notice of their plans to visit. The most effective way to stop them turning up at your door is to speak to them and make arrangements to pay the debt.
You should understand what Enforcement Agents Services Ltd can and can’t do though. These are some things they are not permitted to do.
- Sending letters which are designed to look like court forms
- Calling you at times which would be seen as unsociable, such as very early morning or late at night
- Contact you in ways that you have specifically asked them not to. For instance, calling you at your workplace
- Using words that may confuse you, such as technical terms or jargon
The first thing to do is speak to them or reach out and contact them to discuss your debt. If you don’t know how to get their details, just check the correspondence you have received from them, as the contact details should be there. The sooner you do it, the more chances you have of dealing with it effectively.
In cases, where you are being chased about debt that you don’t believe belongs to you, you would be able to ask them to provide evidence that the debt belongs to you. The Financial Conduct Authority’s guidelines have more information on this (see section 7).
Do Enforcement Agents Services Ltd Have Any Powers?
Enforcement Agents Services Ltd are a bailiff, which gives them some significant rights when it comes to trying to collect your debt. You have rights too though, and it is important that you are aware of these.
A bailiff would have the right to come to your home to try and collect the debts you owe. They may even be able to come into your home, and remove some of your goods to sell, if it is appropriate. If you will not assist them, and you don’t try to pay the debt back, they may decide to take other goods from outside your home, and this may even include your vehicle.
If you receive a visit from an agent from Enforcement Agents Services Ltd and you advise them that you won’t be paying your debt, they may decide to take some of your prized possessions, such as your games console, or TV.
When the debt is deemed to be serious, such as if you have criminal fines which are unpaid, or you have failed to pay your income tax, the bailiffs would have the right to enter your home, although this would be a last resort. There are some restrictions on what a bailiff can do though. These are some actions they cannot take:
- They must not force their way into your home
- They cannot enter your property if only vulnerable people are at home or those under the age of 16
- They cannot enter after 9pm or early morning before 6am
- They are not permitted to enter any way, other than through the door. For instance, they cannot try to come in through your window.
What Actions Should You Take If Enforcement Agents Services Ltd Visit?
If you have debt which is serious, such as an unpaid tax bill or court fines, you would be required to let the bailiffs access your property. However, if you just have ‘regular’ debt, such as loans or a credit card, you are under no obligation to allow them into your property. Even if they try to encourage you to let them in, you should just inform them that you will not allow them access. They will not be able to break the door down to try and get access.
Your first step is to request that the agent from Enforcement Agents Services Ltd provides you with suitable identification to prove who they are. Some typical types of identification, includes:
- Proof that they are who they say they are. For instance, and ID card.
- Proof that they are actually representing Enforcement Agents Services Ltd. They should have a badge or similar to show customers.
- Proof that you owe the money, and a breakdown of all the associated costs
- Proof of their right to gain entry to your property, such as a warrant or writ
You will not need to let them in to provide any relevant identification, they will be able to just put it through your door. Some of the key aspects to check on the identification, are that the information is accurate and up-to-date.
If they cannot provide any evidence that they are allowed to enter your property, you should ask them to leave, and advise them that you will just contact the head office instead and arrange payment. Even if the debt is not in your name, you should always advise head office, so they can update their records.
If you fail to speak to the head office, even if you don’t owe the debt, they will just keep contacting you until you take some action.
What if Enforcement Agents Services Ltd Have Already Removed Some Goods?
If you are late in reading this article, and you have already allowed Enforcement Agents Services Ltd to enter your property, it is never too late. The best approach is to act as quickly as possible, and speak to them about the situation.
You will get your goods back if you pay the debt. Alternatively, they may allow you to pay it back via a suitable repayment plan. Another option is buying the items back, and paying off your debt.
If you discover that Enforcement Agents Services Ltd have not followed the necessary legal processes, this would be a way to get the items back, without paying any money! If you need more information on this, you can speak to the Citizens Advice
What Steps Can You Take to Deal with Enforcement Agents Services Ltd
If you are wondering how to deal with the contact you have received from Enforcement Agents Services Ltd, these are some key points.
Don’t be tempted to ignore them
It is understandable that the most attractive option would be to just ignore the calls and letters you have been sent from Enforcement Agents Services Ltd. As tempting as this approach is, it won’t help your situation in any way. They will keep trying to speak to you, in various forms, and you may even end up with some additional fees being added to your account. Some of these are:
- Compliance Fee totalling £75. This is the additional cost of sending out an enforcement notice with a request for payment.
- Enforcement – £235 (or 7.5% over £1500). A fee they may charge for having to take goods from your home
- Sale of goods – £110 (or 7.5% over £1500). The cost of selling your goods to cover the debt
Whether you owe the debt or not, it’s better to respond to their correspondence before they send someone to your home. Find out whether you’re liable for the money owed, and take action as appropriate.
Get confirmation of the debt
Although we have advised that you pay your debt, you shouldn’t do this until you have received confirmation that it belongs to you. This is particularly important if you have no recollection of the debt. There are instances when the debt has been sent in error or it could be the case that you have cleared it already, and they have forgot to update their system.
If it has been six years since the last time you made a payment or spoke to the creditor, you may not have an obligation to pay the debt. If the creditor failed to carry out the necessary affordability tests to ensure you were able to pay it back, this is another way you might not need to pay the debt.
Take care of the debt
If you have received the necessary confirmation that you are liable for the debt, and Enforcement Agents Services Ltd have provided you with written proof, you will be required to pay it. The best course of action is to clear the debt as soon as possible, as this way you can forget about the debt, and about Enforcement Agents Services Ltd! You should always ask for written confirmation that the debt is clear and the account is closed.
If you don’t have the ability to pay the full amount, there is the option to set up a suitable repayment plan to clear your debt. The best thing to do it contact Enforcement Agents Services Ltd and advise them off your situation. They should be willing to reach an arrangement where you pay it back in monthly installments.
How to Get Help to Deal with Enforcement Agents Services Ltd
If you really need help to deal with your debt and deal with Enforcement Agents Services Ltd in general, there are ways you can do this. You should contact them in the first instance, as quickly as possible to advise them off your financial position. If you simply can’t pay the debt, even in installments, there are other options available:
You have the opportunity to enter into an IVA, if you reside in Wales, England or Northern Ireland. With an IVA, you have the opportunity to combine the entire debt into one single monthly payment and after a specific period of time, any remaining debt can be written off.
If an IVA is not for you, don’t worry, as there are other debt management options available to you. Debt management plans are popular, as well as consolidation loans. Another more serious solution is bankruptcy. You should discuss the best options with professional organisations and figure out which is best for you.
If you are worried about the contact from Enforcement Agents Services Ltd and you are not quite sure about your next steps, the Citizens Advice can provide you with an important service, free of charge. They have the ability to read through the correspondence, advise you of the appropriate steps and ensure you are prepared for any visits.
If you want to find out what others think about Enforcement Agents Services Ltd, you can read through the Trustpilot reviews of Enforcement Agents Services Ltd. You are be able to make a formal complaint about Enforcement Agents Services Ltd if you are unhappy with their treatment of you. If they fail to respond to you, or you are not happy with the contact, you can escalate it to the Financial Ombudsman Service.
Enforcement Agents Services Ltd – The Last Words
Dealing with Enforcement Agents Services Ltd is not enjoyable for anyone, but the experience can be improved if you understand your legal rights. The main thing we want to stress is that you should not ignore the debt. Don’t be tempted just to rip up the letters or cancel the calls. Most debt collectors will be able to provide you with a solution to pay the debt back in installments. However, if they are unwilling to do this, and they become aggressive towards you or try to bully you, you have every right to make a complaint. You can even escalate it, if you are not happy with the response you have received from Enforcement Agents Services Ltd.
Do I Have Any Rights if a Bailiff Arrives at My Door?
The bailiffs are only permitted to come to your property at reasonable hours of the day. If they turn up before 6am or after 9pm, you can send them away. Additionally, they should give you prior notice about the visit. They should not just turn up without warning.
What is the maximum number of times the bailiff is able to visit?
There is no limit on the amount of times they can visit, but there are regulations on the times of the day they can turn up at your property.
What happens if I refuse entry to the bailiff?
If you refuse entry to the bailiff, there is every chance that they will turn up again, but with a locksmith in tow this time!
What if the bailiff breaks down my door?
They are not permitted to break the door down. They can only enter your property via a locksmith. If they do break the door down, you should contact the police and let them know.
I need my car for work, can the bailiff take it?
Yes, the bailiff can remove your vehicle if you have unpaid debt and you don’t make plans to pay it back. This is a last resort though, they don’t really want to start taking your possessions so the best thing to do is to speak to them about your situation.