Paragon House speak to many people each and every day in relation to the debt they have, and they try every trick in the book to get payments. It is not enjoyable to have to deal with these debt letters, especially if you are already facing major financial problems. Debt is a major problem for thousands, if not millions of people, so if you are in debt, you are definitely not alone. If you have outstanding debts with Paragon House or any other debt collectors, they are likely to contacted you to try and get you to pay up, and they may be quite persistent.
As Paragon House are bailiffs, any contact from them can be worrying, but you should always deal with your debt as quickly as possible. If you manage the situation and deal with them, rather than bury your head, the situation can be resolved. We will discuss who Paragon House are, how to handle their visits and what to do next to get out of debt.
Who are Paragon House?
Paragon House Limited are Certificated Enforcement Agents licensed by Dartford County Court. They are a relatively new company having only started trading in February 2019. They are based in Chester, Cheshire, and the business is controlled by Ella Cookson.
Military House, 24 Castle Street, Chester, Cheshire, United Kingdom, CH1 2DS
Also Known As:
Paragon House Limited
Paragon House Ltd
Paragon House Group
Paragon House Bailiffs
Paragon House Debt Collectors
Paragon House Debt Collection
Paragon House Agency
What Do They Want From You?
If you are wondering whether Paragon House are entitled to contact you about debt, you should know they are a legitimate company. This means that if they contact you about your debt, you should definitely not ignore them. There are a number of common reasons why Paragon House may be contacting you; including:
- Debts you owe individuals, businesses or even other organisations
- Tax you haven’t paid or tax credit overpayments you have received from HMRC and failed to pay back
- Credit card bills you have not paid, and unpaid payday loans
- Defaults you have received for court fines
The debt won’t be with Paragon House directly, but they will chase it on behalf of the original creditor. For instance, a credit card company or bank. They pass it to debt collectors when they fail to have any success in getting payment directly from you. This means that although you didn’t run the debt up with Paragon House, they have the right to chase you for it, as they now own it. These are some typical companies they may be collecting the money on behalf of:
- Gas and electricity suppliers, such as some of the most well-known, including NPower
- Mobile phone and broadband companies, such as Virgin Media.
- Local council debt, such as council tax
Paragon House may purchase the debt in bundles, instead of as a single debt. They will not be buying the debt to get money for the original creditor, who the debtor owes to; they want to make a profit. They pay just a fraction of the cost for the debt, and make profit thereafter.
What Do I Do if I Want to Stop Paragon House From Contacting You?
If you speak to the agents at Paragon House, you will probably find them to be quite over the top with trying to get hold of you.
You might be contacted by Paragon House, and they may even decide to come to your home. You may think that if you ignore the bailiffs, they will just get fed up and go away, but you can be sure that this won’t happen!
Bailiffs like Paragon House are commonly asked to step in to give you court documents or hand out notices where required, and summons. If they are planning to visit you at home, they should give you 7 days notice. You can prevent them from coming near your property by paying the debt off.
There are some things that debt collectors are not able to do:
- They cannot send lenders that are alike to court forms
- They are not allowed to contact you at all hours of the day, without prior warning
- If you’ve asked them not to call, they must not call
- Try to confuse you with jargon or technical words
If you want to contact Paragon House, you should look at the letters you have been sent and the website of the company, where you will find the contact details. If you get in touch with them, it will improve your chances of resolving the matter quickly and efficiently, without any additional costs being added or visits to your property.
If they are trying to get you to pay debt which does not belong to you, you will be able to ask that they send evidence. The Financial Conduct Authority’s guidelines can provide more information on this (see section 7).
What Powers Can You Expect from Paragon House?
They are a bailiff, so you can expect Paragon House to have legal powers relating to getting the payments from you. You will also have rights though, so don’t let them away with everything.
Paragon House have the right to visit your home to try and collect the debt you owe. They may even have the right to enter your home and remove some goods from your property, if you are not able to pay or reach an agreement to pay the debt. They could even take your vehicle from outside.
You should be aware that if you receive a visit from an agent from Paragon House, they might take important items that you use on a daily basis, including games consoles and television. They may take items you cherish, such as antiques.
There are cases when your debt may be deemed as serious, such as if you have not paid your criminal fines, or your tax bill. In this case, the bailiffs may be able to force entry into your property. They won’t do this easily, it will be a last resort. These are some rules that bailiffs must stick to, if the debt is just normal day to day debt:
- They must not force entry into your property
- They cannot entry your property if there are young adults under the age of 16 at home, or if vulnerable people are in the property
- They are not permitted to visit your premises at unsuitable hours, such as before 6 in the morning or after 9 at night
- They can only enter your property via the door – not windows or any other means.
Dealing with a Visit from an Agent from Paragon House
If Paragon House are just chasing you about day to day debts, you will not be required to let them into your property. Even if they try to persuade you otherwise, you should know your rights. The only legitimate reason they have for entering your property is for unpaid court fines, tax debts, or any other debt that would be deemed as serious. They should also have paperwork to support the claim, and they may be able to gain entry via a locksmith, if you refuse entry to them.
Ask the agent for identification if they come to your property, to prove they are who they say they are and that they have the right to be there. These are some typical types of ID they can provide to prove who they are:
- Proof to show who they are, including ID card, badge, or certificate
- Proof of who they are representing (i.e. Paragon House)
- Proof of what you owe, including a breakdown of the costs
- Proof of their right to force entry, such as a warrant or writ
Don’t worry, you won’t need to let them in to get the documents from them, they can just pass these through the door, and you can quickly check that all information is correct, including your name and address.
You may ask them to leave your home if they cannot provide the relevant paperwork to prove who they are. In this case, you can just contact the Paragon House head office, and sort it with them. If you discover it is not your debt at all, you should speak to the head office and ask them to update their records.
Paragon House will keep trying to get payments from you, so you should not just ignore them, as they won’t give up!
Paragon House Have Taken My Goods – What do I do now?
It’s not too late if you have already allowed a bailiff from Paragon House to enter your property, even if they took some of your goods. You should deal with this as soon as possible, before they get the chance to sell them on.
The best approach is to settle your debt, if at all possible. If you don’t have the means to pay back the debt in its entirety, you can set up a suitable repayment plan, or you can buy back your items to clear the debt you owe.
There is every chance that you could get your items back if Paragon House agents have not followed the required legal processes. If you want to find out more about this contact Citizens Advice.
Coping with Contact from Paragon House
There are some things you should know about Paragon House and how to deal with them.
Don’t hide from your debt
You may feel that if you just hide from your debt and ignore the correspondence you receive from Paragon House, they will give up and stop contacting you, but this is not the case, They will keep trying and they may even add on an extra fee, depending on the type of action they are required to take. These potential fees are:
- Compliance – £75. You may be charged this if an enforcement notice is issued to you asking for payment.
- Enforcement – £235 (or 7.5% over £1500). This is the potential fees for an agent from Paragon House visiting your property and having to access your property.
- Sale of goods – £110 (or 7.5% over £1500). The cost of removing and selling the required possessions to cover the debt.
As you can see, it makes more sense to respond to the correspondence, so that you don’t end up with any additional charges. Make sure you know that this is definitely your debt, and take steps to deal with it.
Get confirmation of the debt
Unless you are 100% sure that this is your debt and that the details relating to the debt are correct, you should not pay it. It is important to check that the debt is accurate and belongs to you first. It could be that the debt is incorrect or that you have paid it, and it the letter has been sent to you by mistake.
If six years have passed since you last made any payment to your account, or this period has lapsed since you spoke to the creditor, you might not have an obligation to pay the debt. If you believe that you were pressured into signing the original agreement, or there was a lack of checks performed on you to ensure you could afford the credit, you might not have an obligation to pay.
Clear your debt
As long as you have received confirmation that the debt is yours, and it is within the acceptable period of time, you should clear the debt with Paragon House as quickly as possible. It is important to deal with your debt, and the quicker you can get rid of it, the better for your finances and peace of mind. If you do clear off the debt, ensure you get a receipt to show that the account is now paid off and closed.
It’s not the end of the world if you can’t make the full payment, you can set up a suitable repayment plan instead. Speak to Paragon House in the first instance, and advise them of your situation and how you would like to proceed. They will usually put a hold on any additional fees and charges if you set up a repayment plan.
Ways to Deal With Your Debt from Paragon House
It is advisable to speak to Paragon House and try to come to an arrangement to repay the debt. If this is not possible, for instance, if you are out of work and have no income, you should seek professional advice in dealing with your debt. These are some ways that you can manage your debt and clear it as quickly as possible.
An IVA is most suited to people with substantial debts and is available throughout Wales, England and Northern Ireland. With an IVA (or Individual Voluntary Agreement) you are only required to make one monthly payment towards your entire debt, at a rate that works fro you. The rest of your debt can be written off, usually within around a five year time period. Thereafter, you are debt-free!
You can also get other debt management help, and the best option will depend on your individual situation. There is the option of consolidation loans, where you take out one loan and pay off all your debt with the loan, this means your debt is combined and makes it easier to manage. You may also want to consider bankruptcy but this is a drastic step to take. It is worth discussing all the potential options with organisations that are experienced in debt management and will help you find the best option to suit you.
If you are concerned about how to deal with Paragon House or you don’t understand the letters or emails you have received, you can speak to the Citizens Advice. They will help you deal with any matters relating to Paragon House and will be able to look through your letters etc, and give you advice.
Making a formal complaint
If you want peace of mind that you are not alone in your experience with Paragon House, you should take a look at the Trustpilot reviews of Paragon House, to see whether there are experiences similar to yours! If you are concerned about Paragon House and feel they have not treated you fairly, you have the right to make a formal complaint.
If you want to complain to the bailiff company you can use our free letter template which outlines exactly what you should say.
If Paragon House fail to respond to this appropriately, you can contact the Financial Ombudsman Service and they will deal with it for you.
Paragon House – Our Conclusion
No one wants to deal with debt enforcement agents like Paragon House, but as long as you are aware of your rights, you will know how to deal with them. As much as it can be difficult to deal with them, you should not ignore the correspondence you receive. If the debt is incorrect, don’t just throw the letter away, make sure you contact head office and update them. You don’t need to let the agent from Paragon House into your property, unless they can provide you with a warrant or writ. You can contact the head office directly instead, and deal with the situation in this way.
What rights will I have if the bailiff comes?
You do not need to let the bailiffs into your property before 6am or after 9pm, as they are not permitted to visit during unsociable hours. They cannot force their way into your property.
Can the bailiff visit as many times as they wish?
Yes, the bailiff can visit as many times as they want, there is no limit. The limit is on the hours they can visit.
What happens if I refuse entry to bailiffs?
If you refuse entry to the bailiffs, they could bring a locksmith to your home. You may not even be in when they do this!
Is the bailiff permitted to break down my door?
Bailiffs do not have any right to break the door down. They would need to use a locksmith. They also need to enter the property through the door and not by any other means.
Can bailiffs remove my car if I need it for work?
Bailiffs may take your car, no matter the reasons why you need it. Even if you try to hide it, there is every chance they will track it down!