Proserve Debt Recovery & Bailiff Service Ltd may contact a high number of people each day to discuss their debt. It’s not pleasant to receive a letter which states that you owe money and there are many people who really struggle with debt problems. In some cases, if you are dealing with outstanding unpaid debts or fines, you will probably receive calls or letters from companies like Proserve Debt Recovery & Bailiff Service Ltd bailiffs.
Although the contact from the bailiffs can be distressing, you should deal with the problem as soon as possible. If you are armed with a little knowledge, you will be able to manage the situation and stop he worst from happening. We will take a look at who Proserve Debt Recovery & Bailiff Service Ltd are, what you should do if they visit your home, and how to deal with contact from them.
Who are Proserve Debt Recovery & Bailiff Service Ltd?
Proserve Debt Recovery & Bailiff Service Ltd are based in Colwyn Bay, Wales. They were formed in 1994 and the company were incorporated as Proserve Debt Recovery & Bailiff Service Ltd in December 2010. Paul Jones who is the main shareholder, although they are controlled by Mark Snape who is the CEO.
They are a Certificated Enforcement Agency authorised by Swansea Civil Justice Centre and Caernarfon County Court. They have full-time bailiffs throughout England and Wales and specialise in helping small- and medium-sized businesses recover debts. They have helped over 350 businesses in the UK manage their debtors.
30 Wynnstay Road, Colwyn Bay, Conwy, LL29 8NB
Also Known As:
Proserve Debt Recovery & Bailiff Service Ltd Limited
Proserve Debt Recovery & Bailiff Service Ltd Ltd
Proserve Debt Recovery & Bailiff Service Ltd Group
Proserve Debt Recovery & Bailiff Service Ltd Bailiffs
Proserve Debt Recovery & Bailiff Service Ltd Debt Collectors
Proserve Debt Recovery & Bailiff Service Ltd Debt Collection
Proserve Debt Recovery & Bailiff Service Ltd Agency
Why Are They Trying to Speak To You?
You may be wondering whether Proserve Debt Recovery & Bailiff Service Ltd have the legal right to contact you. They are a legitimate organisation, and therefore, if you have received a call or letter from them, you should always respond to it. There are a range of potential reasons why they may be getting in touch with you. These include:
- Debts you owe to individuals, businesses or other organisations
- Unpaid tax and tax credit overpayments from HMRC
- Unpaid credit card and payday loan debts
- Defaults you have on court fines
The company, person, or organisation you owe the debt to, will pass your unpaid account over to Proserve Debt Recovery & Bailiff Service Ltd to deal with, usually because they have been unable to get in touch with you. This means your debt is probably with an entirely different company, but Proserve Debt Recovery & Bailiff Service Ltd are trying to collect it on their behalf. Companies they collect for include:
- Utility companies such as Npower, United Utilities and other gas and electric suppliers
- Mobile and broadband companies such as O2, Virgin Media and EE
- Local council for parking tickets and council tax
Proserve Debt Recovery & Bailiff Service Ltd often buy the debt in bundles, rather than individually from these companies. This means that they are not collecting the debt to pay back the original creditors, but they are collecting for their own interests, i.e. to make a profit. They pay a small amount of the original value of the debt price to own it, and then make profit when they collect the payments.
Is There Any Way to Stop Proserve Debt Recovery & Bailiff Service Ltd From Contacting You?
You may discover that the agents from Proserve Debt Recovery & Bailiff Service Ltd are quite persistent about the debt. You are likely to receive several calls or letters from them about the debt, and they may even turn up at your house in an attempt to recover it. Many people believe that if they just ignore them, the contact will stop and the debt will disappear, but it won’t. It’s better to deal with your problem head-on.
Bailiffs like Proserve Debt Recovery & Bailiff Service Ltd are quite often used to serve court documents or give notices and summons. If they do plan to visit your home, they would be expected to give at least 7 days’ notice of their initial visit. You can stop them from visiting you at your home by just contacting them and arranging to pay the money back.
There are some important things they are not able to do, however. This includes:
- Sending letters that look like court forms
- Calling you out of normal times, i.e. very early morning or late at night
- Contact you at your place of work, especially if you’ve specific that you don’t want them to
- Use jargon or technical language which may confuse you.
Check any correspondence, such as letters or the company’s website to find out how to contact Proserve Debt Recovery & Bailiff Service Ltd. If you contact them, you will increase your chances of ensuring the matter is resolved as effectively as possible, without having to pay any additional costs or having them turn up at your home.
If the debt they’re trying to claiming is not yours, you may request that they provident evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).
Do Proserve Debt Recovery & Bailiff Service Ltd Have Any Powers?
As an enforcement agent/bailiff, Proserve Debt Recovery & Bailiff Service Ltd have certain legal powers in relation to collecting your debt. You also have rights though, and you should be aware of these before you start dealing with them.
Bailiffs have the right to visit your home to collect the debts you owe. In some cases, they may even have the power to go into your home and remove some of your belongings to sell. If you advise them that they cannot enter and you also refuse to pay them, they have the right to remove your possessions from outside your house, including your car.
If you receive a visit by someone from Proserve Debt Recovery & Bailiff Service Ltd and you advise them that you will not pay them, they may decide to take some of your luxury items from your home. This may include items you use everyday including TVs, games consoles, jewellery and antiques.
If you have unpaid criminal fines, stamp duty or income tax, bailiffs have the right to force entry to your home, but this would be a last resort. If it is just a standard debt you have, Bailiffs are not permitted to enter your home in these ways:
- Forcing their way into your home
- Entering your home when there are only vulnerable people there or those under the age of 16
- After 9pm or before 6am
- Through entering in any other way than the door
What Should You Do if a Proserve Debt Recovery & Bailiff Service Ltd Visits?
Unless it is extreme circumstances like money owed to the court , you will not have to let bailiffs into your property. They are likely to tell you otherwise and they may try hard to get the point across. However, they will not be able to force entry, unless you have unpaid magistrates court fines or tax debts and they can back this up with the necessary paperwork. In these situations, they may even get a locksmith in to gain entry to your property, but they will not be able to break down your door.
The first action you should take if someone from Proserve Debt Recovery & Bailiff Service Ltd (or any other bailiffs) comes to your door is to request that they supply you with identification. These are some examples of proof they must be able to provide:
- Proof of who they are; this may be an ID card, badge, or certificate
- Proof of the company they’re representing (in this case, Proserve Debt Recovery & Bailiff Service Ltd)
- Proof of what you owe, with a full breakdown of the costs
- Proof of whether they have the right to force entry, such as a warrant or writ
You can request that they pass these documents through the door, so you can take a close look at them. Make sure they’re still in date and have all of the relevant information on them, including your name and address.
If they do not have the legal right to force entry to your home, you may request that they leave and you can just contact Proserve Debt Recovery & Bailiff Service Ltd head office to arrange to make payment. If the debt is not in your name, but belongs to someone else, you can request that they leave and that you’ll contact their head office.
It is important to remember that Proserve Debt Recovery & Bailiff Service Ltd will keep trying to pursue the debt, so if you don’t pay or arrange payment, you can expect them to keep coming back for more!
Proserve Debt Recovery & Bailiff Service Ltd Have Taken My Goods, What Next?
If you permitted access to the Proserve Debt Recovery & Bailiff Service Ltd bailiff into your home, they may have already taken some of your goods to sell on so they can cover the cost of the debt. There is a chance to get it back but you would need to act quickly.
The quickest way to recover any goods which have been removed is to pay or settle the debt before your goods are sold. If this is not possible, you could arrange to pay by setting up a repayment plan with your creditors, or eyou could buy back the items to clear off your debt.
If the Proserve Debt Recovery & Bailiff Service Ltd enforcement agent failed to follow the correct legal procedure, you might also be able to get the items back. You can contact Citizens Advice to find out more about this.
Actions to Take If You’ve Been Contacted by Proserve Debt Recovery & Bailiff Service Ltd
There are some steps you can take when you’re first contacted by Proserve Debt Recovery & Bailiff Service Ltd and there are some things you shouldn’t do.
Don’t ignore the contact
It’s important that you don’t just ignore the calls or letters you receive from Proserve Debt Recovery & Bailiff Service Ltd. The debt won’t just disappear on its own, and they will not stop attempting to contact you about it. It is also worth noting that enforcement agents like Proserve Debt Recovery & Bailiff Service Ltd have the right to charge an extra fee to deal with your debt.
The costs include:
- Compliance – £75. The cost of sending an enforcement notice asking for payment.
- Enforcement – £235 (or 7.5% over £1500). The fee they charge for a visit to your home or business to take goods.
- Sale of goods – £110 (or 7.5% over £1500). A fee for removing and selling your possessions.
Whether this is your debt or not, you should respond to their correspondence before they resort to sending someone to your home. Make sure you’re liable for the debt, and take the relevant action, as appropriate.
Do you owe the debt?
If you have received a letter stating that you owe money, the first thing you should do is clarify is whether this is accurate. The debt may belong to someone with the same name as you, or who previously lived at your address. It could also be the case that you already cleared the debt.
If it is over six years since you made a payment to the debt, or you spoke with the creditor, you may not be required to pay the debt. Additionally, if you were pressured into signing the agreement or the creditor didn’t carry out any affordability checks, you may not be required to pay the debt at all.
Clearing the debt
If the debt is belongs to you, and it is within the six years, and Proserve Debt Recovery & Bailiff Service Ltd has proof of this, you would be liable to pay it. If you have the funds available, the best option is to pay the debt you owe. This means the debt will be cleared and the company will stop contacting you. This will enable you to just get on with your life, and forget all about the stresses of repaying debt.
If you are not able to pay the full amount of the debt straight away, you should be able to set up a suitable repayment plan. You may contact Proserve Debt Recovery & Bailiff Service Ltd and let them know more about your situation. They may give you permission to pay it back in installments.
How to Get Help With Proserve Debt Recovery & Bailiff Service Ltd
There are a range of ways you will be able to get help to deal with Proserve Debt Recovery & Bailiff Service Ltd if they get in touch with you. The best thing to do is to contact them when you first hear from them. If you owe the debt, you should make arrangements to pay it if you can. If you are not able to do this, there are some other forms of help available.
In some cases, you can write off your debts. In England, Wales and Northern Ireland, an IVA allows you to combine all your debts together. This process will then allow you to make just one monthly payment towards the whole debt, and you can benefit from a lower rate. After a set period, the debt which is outstanding can be legally written off.
There are other forms of debt management you can utilise, depending on your circumstances. This may include; debt management plans, consolidation loans, and bankruptcy. You should spend time exploring the different options you have available and speak to professional organisations, if appropriate, to find the best options to suit you.
If you are concerned about dealing with Proserve Debt Recovery & Bailiff Service Ltd or the correspondence you have from them, you may wish to contact Citizens Advice. They have resources available that will be able to help you prepare for a bailiff visit, as well as advisers who will be able to check any correspondence you have received.
Look at the complaints
If you take a browse at the Trustpilot reviews of Proserve Debt Recovery & Bailiff Service Ltd, you’ll see that the reviews are less than favourable. Words and phrases you will see include, ‘bullies,’ ‘threatening,’ and ‘mistreated.’ If you believe that Proserve Debt Recovery & Bailiff Service Ltd have not treated you properly, you will be eligible to make a formal complaint. If Proserve Debt Recovery & Bailiff Service Ltd fail to respond to this in an appropriate manner, you will be able to contact the Financial Ombudsman Service to take matters further.
Proserve Debt Recovery & Bailiff Service Ltd – To Conclude
Dealing with debt enforcement agents such as Proserve Debt Recovery & Bailiff Service Ltd is far from enjoyable. However, if you understand your legal rights and what they can and cannot do, you will know what to expect. You should not ignore letters or calls from companies like Proserve Debt Recovery & Bailiff Service Ltd, even if the debt does not belong to you. If Proserve Debt Recovery & Bailiff Service Ltd end up visiting your home, you are not required to grant access to the bailiff, unless they have a court-certified warrant or writ. You can let them know that you will contact the company directly to discuss the next appropriate actions.
Do I have any rights if a bailiff comes to my door?
Bailiffs are only permitted to come to visit your home between 6am and 9pm and they are required to give you 7 days notice. They are not permitted to use force to gain entry, such as forcing past you.
How many times is a bailiff able to visit?
There is no limit on the number of times a bailiff can visit you, however, they are only permitted to visit between the hours of 6am and 9pm.
What happens if I refuse entry to the baiiffs?
If you don’t let bailiffs in they may come back with a locksmith when you’re not in the house.
Can a bailiff break the door down?
Bailiffs do not have the right to break the doors down. They need to use a locksmith. Also Bailiffs must only enter through a door, and not a window for example.
Can bailiffs remove my car if I need it for work?
Bailiffs have the right to take your car, even if you will require it for work. They know that you may try to trick them by parking it on another street. They do not have permission, however, to take the car if it’s held on private property that doesn’t belong to you.