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Rundle & Co. Bailiff Enforcement Harassment – Must You Pay?

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

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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.

Featured in...
Rundle & Co Bailiffs

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.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Why are Rundle & Co. Bailiffs Debt Collectors calling you?

Debt collectors like Rundle & Co. Bailiffs Debt Collectors can be relentless when they are trying to get their money. There are different forms of debt collectors, including independent businesses, and sole traders who work as debt collectors. In some cases, the debt collection agency will actually be a part of the company you owe the debt to. This may be a credit card company, bank or similar.

The business model of independent debt collection agencies and sole traders is that they buy the debt from the original credit company, for a fraction of the face value cost. They may pay only 20% of the face value, and the only way they make a profit is when they collect the debt. They often don’t have many morals when it comes to collecting the repayment.

They believe that because you owe the debt, you are responsible for paying it, and there is nothing in-between, no excuses! They do not want to know about your personal circumstances, they just want you to pay up – and the quicker the better! The former Office for Fair Trading way back in 2010 acknowledged that poor practices are common with debt collection agencies.

Find out if you owe the money

» TAKE ACTION NOW: Fill out the short debt form

You should always check you owe debt before you start making payments to it. You should know where it originated, i.e. the original credit company and whether the value is correct.

If you don’t do this, you could be paying debt you don’t owe, or you could be paying an inflated amount. It is important to remember that the value may seem higher than you remember, as there will be interest added on.

If you are in any doubt about the debt, you should contact Rundle & Co. Bailiffs Debt Collectors and ask for confirmation, like a copy of the original credit agreement. If they refuse to send this, say they don’t have a copy, and don’t provide you with any other evidence that you are liable for the debt, you are under no obligation to pay them back.

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?

If you find out that the debt is yours, and you receive confirmation, you have a responsibility to pay the debt back. You may not want to, but you can’t refuse to do so.

You should not pay a debt if it will be to the detriment of other essential payments, such as your mortgage or rent.

Make an arrangement with Rundle & Co. Bailiffs Debt Collectors to pay back the date, even if it is monthly payments. If you are under a lot of financial stress, you might need to write to Rundle & Co. and explain the situation.

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:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. 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.

Get Started

What if they threaten to visit my home?

Sometimes debt collectors believe the law doesn’t affect them, and they can do and say whatever they want, after all, you owe them money, so why not? Actually, this isn’t the case, they can’t just say what they want, and if they threaten to come to your home to speak to you, or even to remove possessions from your home, you have every right to report them to the police.

Do not ever give them permission to enter your home, as they have no right to do it. These are just empty threats which are designed to cause you to panic, and unfortunately, they often work! Don’t let them away with it, report them if you need to.

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.

Get started

Reviews shown are for The Debt Advice Service.

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.

Rundle & Co. Ltd. Contact Details

Address: 53 Northampton Road, Market Harborough
Leicestershire, LE16 9HB
Phone number: 0800 0816000
Opening hours: 8:00am – 6:00pm Weekdays
8.00am – 12.00pm Saturday
Email address: [email protected]
Website: https://www.rundles.org.uk/
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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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The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.