Task Enforcement Debt Collectors – Going To Pay? Wait

Are Task Enforcement Debt Collectors on your case about an outstanding debt? Are you unable to repay the loan? Do you not recognise the debt? Are the company threatening to take you to court to get payments from you? Read on to find out how to deal with Task Enforcement Debt Collectors.

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

Task Enforcement Debt Collectors

Who are Task Enforcement Debt Collectors?

Task Enforcement specialiaes in recovery and offers a 24 hour automated payment line. The company is registered in the UK and also offers business process management as well as estate management and technical design services.

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Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. If you’re eligible for the new government scheme, you could write off up to 85% of your debtAnswer the four questions now.

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Why are Task Enforcement Debt Collectors contacting you?

Debt collectors like Task Enforcement Debt Collectors are chasing debt on behalf of other companies, and they can often be quite forceful in their quest to get you to pay up!

The reason these debt collection companies are so persistent is that they want the money, otherwise they have bought the debt for nothing. Basically, they have wasted their own money by purchasing the debt in the first place. The Office for Fair Trading (OFT, 2010) have spoken about these debt collectors and their bad practices, which “appear to be widespread”.

Is this debt even yours?

If you don’t recognise the debt, don’t just pay it – as it may be a mistake. In some cases, you may have already paid the debt off, or they could even be chasing the wrong person for the debt.

If in doubt, you should write to Task Enforcement Debt Collectors and ask them to provide you with a copy of original credit agreement. If they can’t provide this, don’t just pay, as they need to be able to send you proof that you owe this debt.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Write off up to 75% of your debts

My 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

Can pay, but don’t want to?

Paying debt is something none of us particularly want to do, it may mean that you don’t have cash for the nicer things in life. However, if you owe the money, and you can pay it, the most sensible option is to make payments. You can even offer to make a partial payment to Task Enforcement Debt Collectors, and see if they are willing to accept this.

Are debt collectors making your life miserable?

Debt collectors can make your life miserable. They may be persistent to the point of pestering you, and causing you a lot of stress.

If you are being hassled by Task Enforcement Debt Collectors and they are leaving you feeling harassed and worried, you can contact debt support trust. Debt collectors do not have any right to cause you stress and upset you.

What are the legalities around Task Enforcement Debt Collectors

The Office for Fair Trading (OFT, 2012) has a clear set of guidelines which Task Enforcement Debt Collectors and other debt collection agencies must follow. These include:

  • Treating debtors fairly, and not in an aggressive, threatening manner.
  • Providing clear information, which does not confuse the debtor.
  • Understand the difficulties the debtor is facing, and show empathy.
  • Take the debtors’ circumstances into account when working out a payment plan.

If you have been speaking to Task Enforcement Debt Collectors and they are not adhering to the guidelines, you can report them to the OFT, who may even remove their license.

If you wish to make a complaint about Task Enforcement Debt Collectors, you can use this online complaint form.

Why are Task Enforcement Debt Collectors agents so persistent!

If you understand a bit more about how the debt collection agencies work, you will understand why they are so eager to get in touch with you!

If you pay, they may get a bonus

Task Enforcement Debt Collectors agents will usually be on targets, and will have to achieve these to get bonuses. This is why they may be persistent to the point of annoyance. They might send letters, keep calling you and even texting you, and this is because they want to achieve that bonus.

Don’t take any threats from Task Enforcement Debt Collectors, they don’t have the right to do this.

You don’t pay, they lose money

Task Enforcement Debt Collectors buy the debt from another company – the original company you owe the money to – and if you don’t make payments, they are out of pocket. They want to make that money back, and a profit on top, so now you know why they keep calling!

If you are getting too many calls, keep a note of these to refer back to. Continuous calls are a clear breach of the OFT guidelines. You can report them to the Financial Ombudsman for this behaviour.

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

Why the change in attitude?

The calls from agents may start friendly enough, but they may take a turn if you can’t make a payment. The agents won’t be particularly happy that you can’t make a payment on the day, but don’t be forced into making payments you can’t afford.

Dealing with this behaviour can be hard but don’t let it stress you out. Report them to the OFT using this online complaint form if you need to.

They spoke to my partner about my debt

If debt collection agencies are struggling to reach you, they may end up speaking to your partner about this debt – but this is not permitted. Infact, this is illegal behaviour and breaches OFT guidelines, and other privacy laws.

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

Can they visit my home?

Debt collection agents may tell you they will visit you at home, if you are not paying the debt back, but they are not permitted to do this. If they threaten to enter your home, and take your assets, you can speak to the police, as they have no right to say this.

Don’t worry about your debt

Although it can be difficult to deal with Task Enforcement Debt Collectors and other debt collectors, the main thing is not to worry about the debt – as difficult as that may be. When you worry, you cause yourself to feel stressed, and this can affect your physical and mental well-being. Try to deal with the situation, without anger and anxiety.

Where to turn to

If your debt levels are high and you have no means of paying them off, it is understandable that you may be wondering what support is available. You can seek help from commercial debt management companies, but there is also not-for-profit organisations who help debtors, these include:

  • Citizens Advice Bureau (CAB) who provide support and advice on getting out of debt.
  • Christians Against Poverty (CAP) offer free debt advice.
  • StepChange provides free online debt advice and help people get out of debt.

Can you write off debt?

If you are really struggling to pay your debt, an Individual Voluntary Arrangement (IVA) may be the answer. With this, you arrange to make payments to some of your debt, and the rest is written off. Do this with caution though, as you may struggle to get credit in the future if you are in an IVA.

You only qualify for the government IVA scheme if your debts are over £1,200 and you have more than one debt. Fill out a 30 second form to see if you qualify using my 5 question virtual assessment.


Although debt companies have received warnings about their conduct, many of them continue to work in a way which is unfair and distressing for debtors. If you wish to make a complaint, you can do so via the Financial Ombudsman. They could even lose their licence.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

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