Rock Haven Bailiffs may try to reach out to thousands of people every day to discuss their debt and to try to get payment. It’s obviously not particularly pleasant to be on the receiving end of a letter like this, which states that you owe money. Debt problems are a really serious issue, for many people. In many cases, if you have debts or fines which are outstanding and you have not discussed your situation with the original creditor, you may end up receiving calls or letters from companies such as Rock Haven Bailiffs bailiffs.
There is no doubt that when you receive calls or other correspondence from bailiffs, it can be extremely upsetting. You need to deal with this situation though, before it gets worse. The sooner you deal with it, the better. If you have a good understanding of how to manage the situation, you will be better placed to be able to deal with the situation before it gets out of hand. We will look at who Rock Haven Bailiffs are in more detail, why they are contacting you, and what you can do to resolve the situation.
Who are Rock Haven Bailiffs?
Rockhaven Limited is a Certificated Enforcement Agent authorised by Brighton County Court and run by Nicholas Dowdeswell.
They are a relatively new company having been incorporated in May 2018. Rockhaven Limited are based in Warwickshire.
1 Pegasus House Pegasus Court, Tachbrook Park, Warwick, Warwickshire, United Kingdom, CV34 6LW
Also Known As:
Rock Haven Limited
Rock Haven Ltd
Rock Haven Group
Rock Haven Bailiffs
Rock Haven Debt Collectors
Rock Haven Debt Collection
Rock Haven Agency
Why Are They Trying to Reach You?
If you don’t know them or have never had to deal with debt collectors before, you may be wondering whether Rock Haven Bailiffs are a legitimate organisation. It is safe to say that they are legitimate, and it is important that you don’t just ignore the correspondence from them. You should speak to them, find out what they want and deal with the situation appropriately. There are a wide range of reasons why they might be trying to contact you. These include:
- Debts that you owe to individuals, businesses or other organisations
- Unpaid tax and tax credit overpayments from HMRC
- Credit card and payday loan debts which are unpaid
- Defaults you have on court fines
The way it works is that the company you owe the money to will pass the unpaid debt to Rock Haven Bailiffs as they have not been able to get hold of you, or you have spoken to them but not arranged to pay back the debt. This means that another company will be dealing with your debt, and you may not even know anything about them. These are some companies they collect debt on behalf of:
- Utility companies, which may include Npower, United Utilities and other gas and electric suppliers
- Mobile and broadband companies, including O2, Virgin Media and EE
- Local council bills, such as parking tickets and council tax
Rock Haven Bailiffs will usually buy the debt in bundles from these companies, rather than individually. They are not collecting the debt for the purpose of paying the original creditor, they are collecting the money for their own interests and basically, in an attempt to make a profit. They will only pay a small amount for the debt, and will start to make profit straight away. Hence, why they are so keen to start getting some payments.
How Do You Stop Rock Haven Bailiffs From Contacting You?
It is common for the agents from Rock Haven Bailiffs to be extremely persistent, as they are desperate to start getting the payments in, otherwise they will be losing money. This means you may end up with an abundance of letters, or calls, and in some cases, they may even come to your home to try and get the payments. There is no point in ignoring them, as they won’t give up trying to get the debt paid. It will be much better for all parties, if you deal with the problem head-on.
Rock Haven Bailiffs may also be used to serve court documents or even to give out notices or summons. If they do plan to visit your home, they should give you a minimum of 7 days’ notice to let you know. If you pay your debt, you will be able to stop them from visiting you altogether. The best thing you can do in this situation, is to speak to them.
The bailiffs can not just do what they want. There are some things they are not permitted to do:
- Sending letters that deliberately look like court forms
- Calling you at times outside of normal sociable hours, such as early morning or late at night
- Contacting you in a manner which you have told them not to, such as at your place of work
- Using technical words or jargon in an attempt to confuse you
Take a look at your letters and the website for the company to get information on how you can contact Rock Haven Bailiffs. If you speak to them, you will increase your chances of being able to sort out the situation quickly, before you end up with additional costs or in the worst case scenario, receiving a visit from them at your home.
If they are trying to get you to pay debt which does not belong to you, you will be able to request that they prove this and give evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).
Do Rock Haven Bailiffs Have Any Powers?
As they operate as an enforcement agent/bailiff, Rock Haven Bailiffs have a range of legal powers relating to their ability to collect the debt you owe. They are not the only ones though, you also have some powers relating to how they can deal with you about the debt.
Bailiffs have the right to visit your home to collect the debts from you that you owe. Depending on the situation, they may even have the power to enter your home and remove some of your good, to make up the debt payment. If you refuse to allow them entry into your home and you do not reach an agreement to pay them, they may take items from outside your home to make up for the debt, including any vehicles you have sitting outside.
If you receive a visit from an agent from Rock Haven Bailiffs to your home, and you say that you don’t intend to pay them, they may take some items from your home, which they would describe as luxury items. These may including games consoles, TV and even your jewellery.
If you have serious debts, such as criminal fines which are unpaid, stamp duty or income tax debt, the bailiffs may be able to force the entry into your home. They will only take this step if there in no other way. If the debt is just ‘normal’ debt, there are some things that the Bailiffs cannot do. These include:
- Enter your home by forcing entry
- Entering your home when only vulnerable people are present or people of under the age of 16
- Unsociable hours, such as after 9pm or before 6am
- Any way aside from the door, including the windows
How to deal with a visit from Rock Haven Bailiffs Visits?
Unless they are dealing with extreme circumstances such as court fines etc, you will not be required to let bailiffs into your property. It is highly likely that they will try to force the issue and insist that they have the right to enter your property. If you have magistrates court fines which you have not paid, or tax debts, they may be able to enter your property, as long as they can prove it with the required paperwork. If you do not allow them to access your property, they may end up getting a locksmith, but they don’t have the right to break your door down.
If someone from Rock Haven Bailiffs contacts you about an outstanding debt, and they even come to your door, you should ask them for identification
If you have been contacted by someone from Rock Haven Bailiffs (or any other bailiffs) and they go as far as to show up at your door, there are some actions you can take to deal with the situation. The company should be able to provide you with the following information:
- ID card, badge, or certificate which shows how they are, including name and ID number
- Proof of the company they’re working on behalf of (ie Rock Haven Bailiffs)
- Details of what you owe, including a full breakdown
- Proof that they are able to force entry, such as a warrant
Instead of opening the door to them, you can request that they pass these documents to you through the letterbox. You do not have to let them in to show you the documents. You should always ensure that they are still in date and they should have all the relevant information on them, which must be accurate and up-to-date, including your name and postal address.
If they do not have a warrant, and are unable to gain entry to your home, you would be within your rights to ask them to leave and you can advise them that you will be in touch with the Rock Haven Bailiffs head office instead, to get the payment sorted. If the agents are contacting you about debt which isn’t yours, you can advise that you will speak to the head office and get the situation sorted directly with them.
It is worth noting that Rock Haven Bailiffs will keep trying to contact you about the debt, until a resolution is found. This means that even if you have already paid the debt or it belongs to someone else, you still need to speak to them and let them know. Otherwise, they will just keep contacting you, and you will not get anywhere.
Rock Haven Bailiffs Have Taken My Goods – What Should I Do Next?
If you have allowed a bailiff from Rock Haven Bailiffs into your home, even if they did not have the right to enter your property, don’t worry, as there are things you can do to get your goods back, but it is important that you deal with the situation.
The simplest way to ensure you get your goods back is to either pay the debt off, or at least arrange a suitable repayment structure, where you will be able to pay the debt in installments. In most cases, they will agree to this, as they really don’t want to have to keep your goods.
You may also be able to get your goods back, if the Rock Haven Bailiffs enforcement agent did not adhere to the correct legal procedure. If you want to get more information on how to deal with this process properly, you can contact Citizens Advice, who have trained advisers able to help.
Steps to Take if You Have Been Contacted by Rock Haven Bailiffs
If you have been contacted by Rock Haven Bailiffs about your outstanding debt, there are some actions you can take to resolve the situation:
It may sound obvious, but the best thing to do is to speak to Rock Haven Bailiffs about the outstanding debt. There are so many people who end up just ignoring their debt, and this just makes the situation much worse. They will not stop trying to get the debt paid, so it is not beneficial to just keep ignoring the contact. It is much better to find a resolution. You may find that enforcement agents such as Rock Haven Bailiffs will charge an extra fee on top of the debt, for having to deal with it. These fees vary depending on the action they need to take, but they include:
- Compliance – £75. This is the potential fee they will give you for sending an enforcement notice asking for payment.
- Enforcement – £235 (or 7.5% over £1500). If they need to visit your home to enforce the debt, they may add a fee onto the total cost.
- Sale of goods – £110 (or 7.5% over £1500). This is the cost for removing your goods to try and sell them on.
Regardless of whether you owe the debt or not, you should always respond to any correspondence you receive, before they get the chance to send someone to your home. You should find out whether you owe this money, ask them to provide evidence and then deal with the situation in the best way possible.
Is this your debt?
If you have received a letter about the debt you owe, but you don’t believe this is your debt, or you feel it may be inaccurate, you should ask them to clarify it and provide evidence. In some cases, you may have paid the debt, but they have not updated their records or it could belong to someone who lived at your address previously. It is important to clear up any errors as otherwise, you will end up becoming liable for a debt you don’t owe.
In cases, where you have failed to make any payment to the account in six years, or spoken to the creditor, you might not be required to pay the debt. Additionally, if you feel that you were pressured into signing an agreement to take out the debt, or there was no proper check completed to check your affordability, you may not need to repay the money.
Clear the debt
It makes sense to just clear the debt if you can. If the debt is recent enough and there is proof from Rock Haven Bailiffs that you owe the money, you will be liable for the debt. Your best way to deal with it, is just to clear the debt as soon as you can.
If you clear the debt, the company will stop contacting you, and you will have one less thing to worry about. The less stress you have to deal with, the better. If you do clear the debt, you should ask Rock Haven Bailiffs to send you a receipt, so that you have proof of this.
It may not be possible to clear the debt completely, and if not, you may be able to set up a repayment plan to pay off the debt, at a rate which suits your circumstances.
How to Get Help with Dealing With Rock Haven Bailiffs
If you are unsure how to deal with the contact from Rock Haven Bailiffs, there are various things you can do. The best thing you can do is to speak to them as soon as they get in touch. Whether this is your debt or not, you must speak to them and let them know what the situation is. If it not your debt, they will need to update their records. If it your debt and you need help, there are some options available to you.
If you have serious debt and you are unable to pay it, you may want to try and get some of it written off. In England, Wales and Northern Ireland, you can enter into an IVA, which will combines all your debts into the one payment. You would then make one payment towards the entire debt, and this would often be at a much lower rate. Any outstanding debt would then be written off.
If you would prefer not to enter into an IVA, there are other debt management options which are available, and the one you choose will be based on your own circumstances, and needs. You may want to try a debt management plan or a loan consolidation. In more extreme cases, you may even wish to consider bankruptcy. You should explore the options available to you, and make sure you choose one which is right for your own needs.
You may have never heard of Rock Haven Bailiffs before, so you may be unsure about how to deal with them or even how to respond to their contact. Thankfully, there is help available by contacting the Citizens Advice. They have experts on hand to give you information on how to deal with debt collectors, and to sort your financial situation out in general.
Making a Formal Complaint
A quick look at the Trustpilot reviews of Rock Haven Bailiffs, will make for some very interesting reading. There are many different words and phrases used to describe the conduct of this company. If you believe that Rock Haven Bailiffs have failed to treat you appropriately, you would 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 Rock Haven Bailiffs fail to respond to your complaint in a way in a way which you are happy with, you would have the right to contact the Financial Ombudsman Service, and they will deal with the situation on your behalf.
Rock Haven Bailiffs – To Conclude
It is not pleasant to deal with debt enforcement agents such as Rock Haven Bailiffs. If you have a good understanding of your rights though, and what they can and can’t do, you will be in a better position to be able to deal with them appropriately. It is important that you don’t ignore letters or calls from companies including Rock Haven Bailiffs, even if this is not your debt. You must contact them and advise them of your situation, and to correct any misleading information. If Rock Haven Bailiffs do end up paying a visit to your home, you will not be required to give access to the bailiff, unless they are in possession of a court-certified warrant or writ. If they don’t have this, you can advise them that you will speak to the Head Office instead.
Do I have any rights if a bailiff comes to my door?
You do have some rights when it comes to visits from Bailiffs. They will only be able to visit your home between the hours of 6am and 9pm and they will be required to give you 7 days notice of any plans to visit. They must also not use any force to gain entry into your property.
How many times is a bailiff permitted to visit?
A bailiff is not limited by the number of times they can visit, however, they must visit between the hours of 6am and 9pm.
Why can’t I just refuse entry to the bailiffs?
Bailiffs have a right to come to your home, and you can’t just refuse them entry. If you do this, you might find that end up with a locksmith accessing your home, when you are out.
Will the bailiff break down my door?
Bailiffs do not have any right to break your door down. If they need to access your property, they must always use a locksmith. Also Bailiffs will only be able to enter your property via the door, they cannot try to get in through the window, or any other means.
Will bailiffs take my car, even if I need it for work?
Bailiffs may take your car, and they are permitted to do so, even if you require this for work. It is best to deal with them, and arrange payment, before it gets to this stage.