Jacobs Bailiffs Debt Collectors – Payment Loopholes

Jacobs Bailiffs Debt
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Are Jacobs Bailiffs Debt Collectors hassling you to pay back an outstanding debt? Are you not sure if you even owe the debt? Are they saying they may take you to court? If so, this article might help you find the answer to these questions!

Jacobs Bailiffs Debt Collectors

Who are Jacobs Bailiffs Debt Collectors?

Jacobs specialises in data recovery, specifically corporate debt. The company is based in the UK and has more than 57 years of experience. Jacobs also provides additional services such as counsel tax and commercial rent areas recovery.

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Why are Jacobs Bailiffs Debt Collectors contacting you?

Debt collectors like Jacobs Bailiffs Debt Collectors are unfortunately, not particularly unusual, and they may seem relentless in their pursuit to get you to pay up! This is down to the fact that they buy the debt from the original creditor, sometimes for as little as 20% of the face value, and they need to make this money back. Unless you make payments, they will have lost money, so they are on a mission to get you to pay up! The contact from debt collectors can almost cross the line to harassment, and if this is the case, you can report them and get help with dealing with their tactics.

check if you owe the money

Find out if the debt is yours

The first thing you want to understand is whether this debt is yours. If it’s not, you should not make any attempts to pay it. The best way to get confirmation, and peace of mind, is by asking Jacobs Bailiffs Debt Collectors for a copy of the credit agreement. They should be able to provide this without any issues.

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What is the total amount of your debt?

What if you can’t pay?

This most common dilemma for debtors is not being able to make the payment to Jacobs Bailiffs Debt Collectors. They are contacting you relentless, but what if you need to tell them you can’t pay? If this is the case, just ask them to set up a repayment plan and make monthly payments at an amount you can afford, until the debt is cleared.

How debt collectors can ruin your life

They are making my life a misery!

If this is how you are currently feeling about debt collectors, you are not alone! Especially if they are using underhand tactics, it is only natural to feel this way.

The constant emails, phone calls etc from Jacobs Bailiffs Debt Collectors is likely to be driving you to despair, but you should know that the law is there to protect debtors, and there is specific legislation that debt companies must follow, otherwise they could find themselves in trouble!

Jacobs Bailiffs and the Law

Jacobs Bailiffs Debt Collectors and what the law states

The Office for Fair Trading (OFT, 2012) have guidelines which Jacobs Bailiffs Debt Collectors and other debt collection agencies should adhere to. These include:

  • Treating debtors fairly and proportionately.
  • Ensuring information is always clear and transparent.
  • Understand the circumstances of debtors, and show empathy towards them.

Debt collectors like Jacobs Bailiffs Debt Collectors do not always follow the correct guidelines and legislation, and if they are not adhering to this, you can contact the OFT who may, in worst case scenario, remove their license.

We have made it easier to make a complaint about Jacobs Bailiffs Debt Collectors. You can do it here using this online complaint form.

Understand how they operate

How to deal with Jacobs Bailiffs Debt Collectors

When dealing with debt collectors, it is important to keep a cool head, even if you don’t particularly like the way they are behaving. These are some ways to deal with debt collectors.

Explain your situation

Jacobs Bailiffs Debt Collectors agents will probably try to talk you into making payments, which you may not be able to afford. It is important that you stick to your guns, and don’t end up leaving yourself without any money. If they try to threaten you, you should not listen as the threats are usually empty. Make sure you explain what your finances are looking like and when/if you will be able to make payments.

Devise a suitable plan

Obviously the best course of action is to pay the full debt off to get Jacobs Bailiffs Debt Collectors off your back, but that isn’t always feasible. If you can’t pay it back, the next step is a partial payment, and following this, you can set up a repayment plan, where you pay a certain amount each month until the debt is fully paid off.

Do not let debt collectors speak to you in a derogatory manner or try to make you feel like you need to pay when you can’t afford it. Behaviour of this sort is a clear breach of the OFT guidelines. If in doubt, tell them that you will report them to the Financial Ombudsman.

The Financial Ombudsman is available to speak to on 0800 023 4567 or 0300 123 9123

What is abusive behaviour?

The debt collectors don’t need to be cursing and swearing at you for it be seen as abuse, they may just keep calling you on a loop or fail to listen when you say that you can’t afford to pay. This could still be seen as harassment, and you may be entitled to make a complaint.

If you are struggling to cope with the behaviour of debt collectors, you should report them to the OFT using this online complaint form.

Can they discuss your debt with others?

The long and short of it is no, they can’t speak to other people about your debt. If they do this, they are breaching both OFT guidelines, and other privacy laws.

If you are aware of this behaviour, and wish to report them, you can do this via the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Deceit and Lies

The right to enter your property

The bottom line is that no one is allowed to enter your property without permission, unless it’s the police. Debt collectors can certainly not ‘visit’ your property and take your assets, or discuss your debts in person, and you should not allow them to do this. If they threaten this behaviour and you are feeling worried or scared, you should contact the police straight away to deal with it for you.

Standing up to debt collectors

If you are being contacted by debt collectors like Jacobs Bailiffs Debt Collectors, it is understandable that you may be feeling under attack and not really sure what to do next or where to turn. The good thing is that there is a lot of support available to deal with these cases, and the great part is that much of this is free! You should stand up to debt collectors, and take whatever action is necessary to get them off your back.

Getting out of debt

When you are looking to get out of debt, you may not know who can help, and there are various options, including commercial debt management and not-for-profit, who offer a free service. These are some of the options:

  • Citizens Advice Bureau (CAB) – this is an organisation who provide free debt advice, help and support.
  • Christians Against Poverty (CAP) – offer free help and advice on getting out of debt.
  • StepChange provides free online debt advice – help people take charge of their debt.
Writing off your debt

What an IVA can do

If you can’t afford to pay your debt, you can enter into an Individual Voluntary Arrangement (IVA). With this agreement, your debt is consolidated and you make one affordable monthly payment and you don’t need to pay the rest off. This is a good way to clear your debt, especially for those who are in a dire situation. Remember though, you may find it difficult to get credit in the future if you go down this route.

Here is some more information if you are looking for a local licenced IVA insolvency practitioner here.

You may also want to consider a Debt Relief Order (DRO), but this is only relevant for those who have less than £50 per month, after bills and other expenses are taken care of.

You can find a list of authorised debt advisors here.

Finally

If you feel that debt collectors are causing you any distress or they are threatening you in an way, you should make a complaint to the Financial Ombudsman and in some cases, they may lose their licence.

FAQs

Who owns Jacobs?

Jacobs is the UK’s largest independently owned enforcement agency. It is owned by Paula Jacobs and Simon Jacobs.

Are Jacobs financially regulated?

Jacobs is not authorised or regulated by the Financial Conduct Authority.

Do HMRC use Jacobs?

Jacobs collects money for some government departments but does not collect money on behalf of HMRC.

Does Jacobs buy debt?

Jacobs does not buy debts. The money it collects is owed to the business or organisation that it is collecting the money on behalf of.

What happens if you ignore debt collectors?

If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report.

Can Jacobs take you to court?

Jacobs can take you to court in order to claim the money owed. If you have been taken to court you will have received a County Court Judgement letter.

Can you go to jail for debt collections?

You cannot go to jail for debts owed to debt collection agencies.

What happens if I ignore a CCJ?

If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.

Can Jacobs issue a warrant?

Jacobs cannot issue an arrest warrant or have you sent to prison. At most they can request a CCJ and if successful send bailiffs to your property to recover items to cover the debt owed.

Are Jacobs bailiffs?

Jacobs are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.

Can Jacobs come to your house?

Jacobs have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Can Jacobs force entry?

Jacobs cannot force entry, they have no legal powers over you. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Will Jacobs give up?

Jacobs won’t give up chasing you for the debt until they’ve exhausted all of their legal options. This usually means being chased for up to 6 years.

Can a debt be too old to collect?

A debt can be too old to collect from you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. This 6 years is counted from your last payment or the last time that you acknowledged the debt.

How long can you legally be chased for debt?

As per the Limitation action 1980, you can be legally chased for up to 6 years from your last payment or the last time that you acknowledged the debt. If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely.

Are debts ever written off?

Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. This is typically six years since you last made a payment or last acknowledged the debt.

How do I contact Jacobs?

Jacobs can be contacted by phone or email. There is also a live chat facility on their website. Alternatively, you can contact them by posting or by visiting their office in Birkenhead.

How do I pay Jacobs?

Jacobs accepts card payments either online or over the phone, or you can pay by recurrent card payments. Internet banking or standing order payments are available, or you can pay by posting a cheque, postal order or bank draft. You can also pay via a payment card at Payzone retailers or at a Post Office.

References

Schedule 12, Tribunals, Courts and Enforcements Act, 2007

Part 1, Regulation 10, Certification of enforcement agents, 2014.

Gov.uk, CPR – Rules and Directions, 2018.

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