Steve Dent Recovery Limited often speak to hundreds of people on a daily basis, such is the massive debt crisis we have on our hands. If you have received contact from the company about your debt, you may be stressed and worrying about what to do next. If you are dealing with unpaid fines or debts, you are likely to find yourself on the receiving end of calls, letters, emails etc from companies such as Steve Dent Recovery Limited bailiffs.

Despite the fact that receiving contact from bailiffs can be upsetting, you will need to deal with the situation, as soon as you can. If you have a little knowledge of what to do to deal with their contact, you will be in a much better position to deal with Steve Dent Recovery Limited bailiffs. This article will look at why they may be contacting you, how to respond to their contact and dealing with any requests they make.

Who are Steve Dent Recovery Limited?

Steve Dent Recovery Limited are based in Wellingborough, Northamptonshire. They were incorporated in March 2014 and they are certificated enforcement agents.

The business is controlled by Steve Dent who is authorised by Northampton Combined Court. Annette Buckby is also a director of the company.

31/32 High Street, Wellingborough, Northamptonshire, NN8 4HL

Registration Number:

Incorporation Date:

License Granted:

Also Known As:
Steve Dent Recovery Limited Limited
Steve Dent Recovery Limited Ltd
Steve Dent Recovery Limited Group
Steve Dent Recovery Limited Bailiffs
Steve Dent Recovery Limited Debt Collectors
Steve Dent Recovery Limited Debt Collection
Steve Dent Recovery Limited Agency

Why Might They Be Contacting You?

In cases where you have never heard of Steve Dent Recovery Limited before, you would be within your rights to be concerned as to whether they are actually a legitimate organisation. They are definitely legitimate, so if they have contacted you, you should respond to them. These are some of the potential reasons why Steve Dent Recovery Limited may be contacting you:

  • Debts that you have with individuals, businesses or other organisations
  • Tax which is unpaid, and tax credit overpayments you have from HMRC
  • Credit card bills which are unpaid, or unpaid payday loans
  • Court fine defaults

The unpaid account is usually passed to Steve Dent Recovery Limited from another company – the company you have the original debt with. They usually take that step as they have had no luck with trying to track you down, or you may even have just refused to pay the debt. This means that your debt is with a different company, but Steve Dent Recovery Limited are trying to recover it. These are some of the typical types of organisations they will usually receive the debt from:

  • Utility companies including some of the most well-known organisations, such as Npower, United Utilities. They will also receive debt from other gas and electric suppliers
  • Mobile and broadband companies are common too, such as O2, Virgin Media and EE
  • Local council parking tickets or other council related debt.

Steve Dent Recovery Limited will quite often buy the bundles of debt from these companies. They are not acting to help out the original creditor, they are trying to make a profit, and the more accounts they have to work on, the greater their potential for making money!

Is There Any Way to Stop Steve Dent Recovery Limited From Contacting You?

As they have already purchased the debt, it is understandable that Steve Dent Recovery Limited would be more than a little eager to get payments from you. You may end up on the receiving end of endless calls, emails and letters, and if you fail to respond to these, there is every chance that they will just turn up to your house. Dealing with finances is never pleasant, and it can feel quite awkward to discuss your debt issues. However, you should deal with the problem head-on. Don’t do what so many do and just ignore the debt.

Bailiffs like Steve Dent Recovery Limited will even sometimes be used for serving court documents or to give out notices and summons. If they do determine that a visit to your home is necessary, they would usually require to give you at least 7 days’ notice of their initial visit. The only way to really stop them from visiting your home is to speak to them and discuss your situation. Even if you can’t afford to pay them right now, it is important that you speak to them.

They can’t just do what they want though, these are some things they can’t do.

  • Send letters that look like court forms
  • Call you at unreasonable times, such as before 6am or after 9pm
  • Contact you at your place of work, if you have specifically told them not to.
  • Use jargon or technical terms which have been designed to confuse you.

If you want to speak to Steve Dent Recovery Limited about the debt and how to move forward, you will be able to find their details on any correspondence they have sent you, or on their website. If you do contact them, it will increase your chances of being able to get the problem dealt without it becoming a serious issue.

If the debt they are trying to chase you about does not belong to you, you would be able to ask them to prove this is your debt, and provide you with evidence. The Financial Conduct Authority’s guidelines have more information on this (see section 7).

Do Steve Dent Recovery Limited Have Any Powers?

As they are an enforcement agent/bailiff, Steve Dent Recovery Limited do have some legal powers when it comes to chasing you about your debt. They are not the only ones though, you also have rights and you should know what these are before moving forward.

Bailiffs will be able to visit your home in order to collect the debts, if there are no other choices. They only do this if they can’t get any response from you or if you have not made any arrangement to pay the debt back. If they can’t access your property, they may take belongings from outside.For example, your vehicle, camper van or any other outside goods you have.

When Steve Dent Recovery Limited visit you and you refuse to pay them, they may deem it necessary to take some of the luxury items you have at your home, including such goods as your TV, games console etc. They may even look into taking jewellery and antiques.

If you have serious debt, such as criminal fines or stamp duty they may be able to force entry into your home, but this would be a last resort. If it is usual circumstances, these are some things that Bailiffs must not do:

  • Force their way pass you and into your home
  • Access your property if only vulnerable people are home or those who are under the age of 16
  • Unsociable hours such as before 6am or after 9pm
  • Access through windows or other means, outwith their doors

What CanYou Do if a Steve Dent Recovery Limited Bailiff Visits Your Property?

Unless they are having to deal with extreme circumstances, you will not be required to let bailiffs into your property. They probably won’t realise you know this, so they might try and keep putting the point across. Unless you have unpaid magistrates court fines or other serious debts, they do not have any right to enter your property. They must also be able to provide you with the necessary paperwork to prove that they have the right to enter your property.

The best thing to do if you are contacted by someone from Steve Dent Recovery Limited is to ask them to provide you with identification, to prove that they are who they say they are. They should not have any issue with this, and should be able to provide some of the following:

  • ID card, badge, or certificate or anything else which proves who they are
  • Proof of who they’re representing (in this case, it would be Steve Dent Recovery Limited)
  • Proof of what you owe, together with a clear breakdown with all charges and fees
  • Evidence to show that they have the right to enter your property, such as a warrant or writ

You do not have to allow them to enter your home to give this information over, you can simply request that they pass these documents through the door, and you can take a thorough look at them. You should ensure that all details are correct, and up-to-date. If you are concerned about anything you find on the paperwork, you should speak to the head office.

If they are not able to provide you with evidence of their right to force entry to your home, you may just ask them to leave and you can advise them that you will be in touch with Steve Dent Recovery Limited head office and arrange payments this way. If you are being chased about debt which is not yours, or you have already cleared it, you can also contact head office and ask them to update your records.

Unless you pay the debt or make an arrangement to pay it, Steve Dent Recovery Limited will keep trying to get the payment from you. They may even continue to visit, unless you can prove that they have no right to do this. It is always better to speak to them, than just ignore the situation.

Steve Dent Recovery Limited Have Taken My Goods – What Should I Do?

If you have not been informed about the rights of Steve Dent Recovery Limited bailiff, and you have already let them into your home, they may have already taken your goods, and you might not know what to do next. There are things you can do, but you must deal with the situation as quickly as possible.

The simplest way to get your goods back is to either pay the debt completely or settle the debt before they’ve had the chance to sell them on. The other option is to agree to a repayment plan with your creditors, or you could even buy the debt back.

If the Steve Dent Recovery Limited enforcement agent has failed to stick to the correct legal procedure, this might be another way to get your money back. You will be able to contact Citizens Advice to get more information on this.

What Should You Do If You Have Been Contacted by Steve Dent Recovery Limited

If you have been contacted by Steve Dent Recovery Limited, these are some things you must do:

Communicate with them

You should not just ignore the calls or letters you receive from Steve Dent Recovery Limited. The debt won’t just disappear, no matter how much you want it to, and they will not give up trying to contact you about it. You should know that enforcement agents like Steve Dent Recovery Limited may even add extra charges to the debt, as a result of having to deal with it. These charges include:

  • Compliance – £75. A charge you would incur if they have to send an enforcement notice asking for payment.
  • Enforcement – £235 (or 7.5% over £1500). This is the charge for having to visit your home
  • Sale of goods – £110 (or 7.5% over £1500). If they remove your goods, they may add on an additional sale of goods charge.

Even if this is not your debt, it’s much more beneficial in the long run if you speak to them and advise them of your situation, before they end up paying a visit to your home. Make sure you have evidence that you do owe the debt, and then take the most suitable action to deal with it.

Find out if it is your debt

If you received a letter which claims that you owe this money, you should check that it is actually accurate, before you start making any payments. The debt may be someone else’s with the same name as you, or who may have lived at your address, and there has been some kind of mix up. Alternatively, it may be the case that you have already cleared the debt, and this has been sent in error.

If six years or more have passed since you last made a payment to your debt, or you spoke to the creditor, you may not be liable to pay the debt. In the same respect, if you feel that you were pressured into signing the original credit agreement or there were no affordability checks carried out by the creditor, you may not be liable for the debt.

Pay your debt

If the debt belongs to you and it is recent enough, you will be liable to pay the debt. You should also check that Steve Dent Recovery Limited are able to provide you with proof that you owe the money. If you are financially able to, you should clear the debt as soon as possible. If you do this, they will stop contacting you, and it will take one more bit of stress off your shoulders. If you do make payment, you should ask them to provide you with a receipt.

If you do not have the finances available to pay the full amount right away, you will be able to set up a repayment plan that works for you. The best of course of action is to contact Steve Dent Recovery Limited and advise them of your current financial situation. They are likely to be happy for you to pay the debt in installments, and this will get them off your back.

Help and Advice for Dealing With Steve Dent Recovery Limited

If you are not sure how to deal with Steve Dent Recovery Limited when they contact you, there are various options available to you. It would make sense to just pay the debt if you can, if this turns out to be your debt. If you can’t pay though, there is other help available to deal with your debt situation.

Individual Voluntary Arrangement (IVA)

In some cases, you will be able to write off some of your debts. In England, Wales and Northern Ireland, you may enter into an IVA, which will combine all your debts into one. You can then just make one payment to your debt, which will usually be at a lower rate. After a set period of time has passed, the remaining debt will be written off.

Debt management

There are also other forms of debt management available, and the option you go for will depend on your current situation. You may wish to enter into a debt management plan, consolidation loans, or the other, more severe option is bankruptcy. You should explore the options before deciding on which to go for, and seek professional advice if you are still unsure of what is best to suit your needs.

Citizens Advice

If you are concerned about dealing with Steve Dent Recovery Limited or you are confused by the correspondence they have sent you, you may want to contact Citizens Advice. They can provide you with experts who are trained and experienced in dealing with those suffering from financial difficulties, as well as a range of other issues.

Check the Reviews

If you have a quick browse through the Trustpilot reviews of Steve Dent Recovery Limited, you’ll see that it makes for some quite harsh reading. Some of the most severe words and phrases are used, such as ‘bullies,’ ‘threatening,’ and ‘mistreated.’ If you believe that Steve Dent Recovery Limited have failed to treated you in an appropriate manner, you will 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 Steve Dent Recovery Limited fail to respond to you, you should get in touch with the Financial Ombudsman Service, who will deal with the matter on your behalf. 

Steve Dent Recovery Limited – Conclusion

No one wants to deal with debt enforcement agents such as Steve Dent Recovery Limited; it is not a good position to be in However, if you are aware of your legal rights and the boundaries they need to adhere to, you will be in a better position to know what to expect, and how to deal with them. You should not ignore letters or calls from companies such as Steve Dent Recovery Limited, even if this is not your debt. If Steve Dent Recovery Limited visit your home, you will not be required to let the bailiff in, unless they are in possession of a court-certified warrant or writ. If they don’t have this, you can contact the company directly to either pay the debt, or deal with the situation.


Do I have any rights if a bailiff comes?

Bailiffs are only permitted to visit your home between 6am and 9pm and they must ensure they give you 7 days notice of their plans to visit. They should not use any force to try and access your property.

Is there a maximum number of times a bailiff can visit?

There is no limit to how often a bailiff can visit they can visit, but there are limitations on the times. They must only visit between the hours of 6am and 9pm.

What happens if I refuse entry to the bailiffs

If you refuse entry to the bailiffs, they may end up turning up with a locksmith when you’re not in the house. They have the right to do this.

Can a bailiff break my door down?

The answer is no; they cannot break your door down. If they must have access, they need to use a locksmith. They must also enter only through the door, not through windows or any other way.

Can bailiffs remove my car, even if I need to use it for work

Bailiffs may take your car, even if it is required for work. They are used to people trying all sorts of tricks to confuse them, such as parking it on another street. They must not take your vehicle, if it is parked on private property, which is not yours.

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About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more