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

Rundle & Co Bailiffs

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Rundle & Co. Bailiffs Debt

Are Rundle & Co. Bailiffs Debt Collectors hassling you to pay a debt you owe? Are you worried about making payments? Are you not even sure if you owe the debt? Are you being threatened with legal action? If any of these sound familiar, or maybe all of them, you should read this article, it is designed just for people like you!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with Rundle & Co Bailiffs and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Rundle & Co. Bailiffs Debt Collectors
Rundle & Co. Bailiffs Debt Collectors

Who are Rundle & Co. Bailiffs?

Rundle & Co offers effective debt collecting services and prides itself on being a leading provider of ethical enforcement services in the UK. The company works with clients in the private sector, as well as the public sector, helping with debt recovery, business rates, and commercial rent.

fight back when you get a debt collection letter

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 Office for Fair Trading (OFT, 2010) acknowledge that poor practices are common with debt collection agencies.

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Find out if you owe the money

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 of the original credit agreement. If they refuse to send this or say they don’t have a copy, you are under no obligation to pay them back.

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.

Are debt collectors causing you stress?

Debt collectors want their money, they don’t want to leave the conversation without at least a payment plan set up, so they may use underhand tactics to try and get you to pay up. The contact from debt collectors may seem extreme at times, they may call at strange times of the day, they may contact you continuously and even make threats!

It is not fun being contacted by debt collectors like Rundle & Co. Bailiffs Debt Collectors and it can have a negative effect on your day to day life, especially if they are persistent. You may find that the calls lead you to feel distressed, upset and even suicidal at times. Worryingly, the debt support trust, said that as many as 50% of people with debt issues, will contemplate suicide at some point, and there was also a report where a coroner raised concerns over the poor practices of debt collectors, due to the suicide of a courier experiencing debt issues. As part of a report on mental health and how the credit companies behave (Walker et al, 2012) researchers from Brighton University found that debt collectors often make people feel stressed and overwhelmed about their debt, to the point that many even end up suffering from mental health issues. The government were asked to step in and take action against these practices, and this is what they have done.

Rundle & Co. Bailiffs Debt Collectors and what the law tells us

Thankfully, there are now guidelines which have come into force by The Office for Fair Trading (OFT, 2012), and these have been put in place to protect debtors. According to these new regulations, Rundle & Co. Bailiffs Debt Collectors should:

  • Always ensure they are fair in their treatment of debtors, they should not harass, abuse or threaten those who are facing debt issues.
  • Provide clear and concise information to debtors.
  • Understand the difficulties faced by debtors, and show some empathy.
  • Take the debtors’ circumstances into account when determining how to deal with the debt.

If Rundle & Co. Bailiffs Debt Collectors are stressing you out, and not following the guidelines, then you may want to consider complaining to them directly.

If you want to complain to the bailiff company you can use our free letter template which outlines exactly what you should say.

If their response isn’t satisfactory, you could report them to the OFT. In some cases, they may even lose their license for such behaviour.

Debt collectors may pretend to work externally to the organisation they are chasing the money on behalf of, when they are actually a part of the business. This could be viewed as deceit, although they are likely to have an argument that the details are somewhere hidden in the fine print!

Feeling like Chandler?

how to debt

Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

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Do you want to understand how Rundle & Co. Bailiffs Debt Collectors operates?

Do you want to understand how debt collection agencies operate? This information should give you some insight into how they work.

They get bonuses

The agents at Rundle & Co. Bailiffs Debt Collectors agents will often work on bonuses, which means they will earn more, depending on the debt they bring in. This is why they can be so persistent about collecting the debt. Usually, the bonuses may be daily or monthly and every payment they recover will help towards their bonus. This explains why they are often so determined to get you to pay up, but you don’t need to put up with it, the law is there to protect you!

The threats you receive from debt collectors like Rundle & Co. Bailiffs Debt Collectors are usually empty threats. You should not take them too seriously, especially if they are threatening you with court action.

They use call technology

Although it can be tempting just to ignore calls fromRundle & Co. Bailiffs Debt Collectors, it is best if you just speak to them and offer some kind of payment. Even if you set up a repayment plan, they will be less likely to harass you than if you just don’t get back to them at all.

If the frequency of calls is becoming over the top, or they are generally harassing you. They would be breaching the OFT guidelines. You can speak to the agent and inform them that you will be contacting the Financial Ombudsman for such behaviour.

You can contact the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123

Why the attitude change?

It can be frustrating when you speak to an agent and they start off in a friendly, helpful manner, but the attitude soon changes when they realise you can’t afford to make payments. This change can be quite distressing, but you shouldn’t take this personally. They are not personally annoyed with you, but rather the fact that they will be unable to take payment from you. This does not give them permission to become abusive though or to threaten you in any way. If they do this, the law is there to protect you, and you can make a complaint.

There is no doubt that this behaviour can be extremely difficult to deal with, and it can be highly frustrating. However, you should still report it, as they cannot be allowed to get away with this. If you wish to report them, you can do so using this online complaint form. This sort of behaviour should always be taken seriously, you should not feel like you can’t stick up for yourself.

Why are they talking to a third party?

There have also been situations where debt collectors have spoken to third parties about the outstanding debt of customers, and this is unacceptable. They may do this if they can’t reach you, but it is illegal behaviour, and it is both a breach of OFT guidelines, as well as privacy laws. If this has happened to you, even if they have just spoken to a family member, you have the right to report them.

You can report them at any time to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

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.

Are they trying to wear you down?

The answer is simple, yes, they are trying to wear you down. Rundle & Co. Bailiffs Debt Collectors and other debt collectors can seem ruthless in their pursuit of debt, and the hope is that, eventually, you will just pay up, even if you can’t really afford it. You need to be prepared to stand up to the behaviour, and although this can take a great deal of strength, it is vital for your own welfare.

Getting out of debt isn’t easy, but no situation is impossible, there is always a way to get out of debt, and manage your finances well in the future, and much of the help available is free.

Free debt help

If you are looking for help with your debt, there is plenty available. There are commercial debt management companies who will charge you for the help, but there are other free organisations, where you can get the debt advice without paying a penny. The free debt advice is obviously the best option, and thankfully there are many organisations who offer this, including:

  • Citizens Advice Bureau (CAB) – you will receive free help advice and support in getting free of debt.
  • Christians Against Poverty (CAP) – provide free help and advice to get out of debt.
  • StepChange provides free online debt advice and will help you take charge of your finances, and get debt free.

Entering into an IVA

If you want to write a good chunk of your debt off, an Individual Voluntary Arrangement (IVA) is one of the best options available. With an IVA, you enter into a formal agreement, where you pay the debt collectors either a one-off payment or instalments, and you will be able to write off the rest of your debt. IVAs need to be carried out by an insolvency practitioner and you should take this out with caution, as you may not be able to get credit in the future if you enter into an IVA.

If you wish to enter into an IVA, you can find an IVA insolvency practitioner here.

Alternatively, you may prefer to get a Debt Relief Order (DRO). You are only eligible for this if you are left with £75 or less to last the month, after all household expenses are taken care of. You must also not own your own home, and you cannot have assets worth over £2000.

If you wish to apply for a DRO, you need to do it through an authorised debt advisor. You can find a list of authorised debt advisors here.

Get help with your debt

There have been warnings to debt collectors from professional bodies, and also government guidelines which have been issued to protect debtors. The way many debt collectors act is to make debtors feel embarrassed and ashamed about their debt or in many cases, to harass and threaten them into making payment. Despite all the changes in regulations and the input from the government, this behaviour, unfortunately, still exists and many have not adhered to the regulations. If you are suffering from this kind of behaviour, and are feeling attacked and vulnerable, you should report the debt collection agency who are responsible. You can report them to the Financial Ombudsman and in some cases, it might be deemed suitable for them to lose their licence.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Schedule 12, Tribunals, Courts and Enforcements Act, 2007

Part 1, Regulation 10, Certification of enforcement agents, 2014., CPR – Rules and Directions, 2018.


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring