Rundle & Co. Bailiff Enforcement Harassment – Must You Pay?
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Facing problems with Rundle & Co. Bailiffs? You’re not alone. Each month, over 170,000 people come to our website for guidance on their debt issues. We understand how tough it can be dealing with bailiffs. But don’t worry; we’re here to help guide you through it.
Our mission is to answer any questions you may have, such as, “Why are Rundle & Co. Bailiffs calling me?” or “Do I have to pay them?”. We’ll also explain what a County Court Judgement (CCJ) is and if your debt might be old enough to be forgotten or ‘statute barred’.
We want to help you understand how Rundle & Co. Bailiffs work. We know about their bonus systems and call technology. We’ll also talk about why their attitude might change and why they may speak to a third party.
In this article, we will cover:
- Who Rundle & Co. Bailiffs are.
- Why they might be contacting you.
- How to find out if you really owe the money.
- What to do if you can pay but don’t want to.
- How to get help with your debt.
You’re not alone in this. Let’s discuss what your options are and what your next steps should be.
Why are Rundle & Co. Bailiffs Debt Collectors calling you?
Find out if you owe the money
» TAKE ACTION NOW: Fill out the short debt form
You can use my free ‘prove it’ letter template to write to them and ask for evidence that you are liable for the debt. I recommend writing because it’s easier to keep your records up to date. This will help prevent any argument from Rundle about your payments down the line.
What if you can pay, but you refuse to pay?
I have several free letter templates that you can use, whether you want to make a settlement offer or request a write-off because you have no realistic way of paying off the debt.
How a debt solution could help
Some debt solutions can:
- Stop nasty calls from creditors
- Freeze interest and charges
- Reduce your monthly payments
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Situation
Monthly income | £2,504 |
Monthly expenses | £2,345 |
Total debt | £32,049 |
Monthly debt repayments
Before | £587 |
After | £158 |
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
What if they threaten to visit my home?
Can I get a debt solution?
If you are struggling to pay Rundle & Co. or have other unsecured debts, you might benefit from a debt solution.
There are several different debt solutions available in the UK, so I recommend speaking to a debt charity as soon as possible. Their advisors will be able to look at your finances in detail and help you work out which debt solution will work best for you.
I have linked a few charities that offer these advisory services for free above.
Debt Management Plan (DMP)
A DMP is an informal debt solution that lets you pay off your debts via a single monthly payment.
Because it is informal, it is not legally binding so you are not tied into a DMP for a minimum number of payments.
Individual Voluntary Arrangement (IVA)
An IVA is a formal agreement between you and your creditors. You agree to pay a monthly sum that is distributed amongst your debts, and your creditors agree not to contact you during your IVA.
IVAs typically last for 5 or 6 years, and any outstanding debt is wiped off when it ends.
Keep in mind that IVAs are not suitable for everyone. You need to owe several thousand pounds to more than one creditor to be eligible. You also need to demonstrate that you have some disposable income every month.
Trust Deed
IVAs are not available in Scotland. Instead, you will need to opt for a Trust Deed.
Trust Deeds work in the same way as an IVA – you pay an agreed sum each month that is shared amongst your creditors, they can’t contact you, and any leftover debt at the end of your Trust Deed term is written off.
Debt Relief Order (DRO)
A DRO is a good option for those facing financial hardship with no assets and little income.
For 12 months, you make no payments, but your creditors freeze your interest and don’t contact you.
If your finances haven’t improved during this year, you may be able to write off your unsecured debts.
Bankruptcy
If you have debts but no realistic possibility of ever paying them off, you may need to declare bankruptcy.
Bankruptcy has an unfair stigma attached to it as it may be your only way of getting a financial fresh start. That said, it is a serious financial situation that should not be taken lightly.
Sequestration
Sequestration is the Scottish version of bankruptcy.
If you have little income and no valuable assets, you may be able to apply for a minimal asset process bankruptcy (MAP). A MAP is a quicker, cheaper, and more straightforward version of sequestration, so worth considering.
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
Natasha
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
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How do I complain about Rundle & Co. Bailiff Enforcement?
If you think that Rundle & Co. Bailiff Enforcement has been unreasonable or behaved inappropriately, you can make a complaint. You can also complain if you feel they have broken any of the Financial Conduct Authority’s (FCA) guidelines.
Make your first complaint to Rundle & Co. so that they have the chance to sort out the issue themselves. If you feel that they have not taken your complaint seriously enough or have not addressed your issue properly, you can escalate matters.
You can make any secondary complaint to the Financial Ombudsman Service (FOS). They will investigate and, if your complaint is upheld, Rundle & Co. may be fined. You could even be owed compensation.
You can also report any poor behaviour to the Civil Enforcement Association (CIVEA) if you think that Rundle has broken any of their guidelines.
Making complaints to regulatory bodies can feel like a fuss, but it can help protect you and other people from unfair debt collection practices in the future.