What is the job of the High Court Enforcement Officers in London, Greater London?
The County Court Judgment can be used against you by the landlord or creditor in London if you are a resident in a commercial area as a tenant in Wales or England as a High Court Enforcement Officer can collect the owed debt from you. Being an enforcement agent, the High Court Enforcement Officer collects the money of the creditor from their place in London and sells their goods at an auction in Greater London. The creditor can use the London HCEOs for the reasons given below:
Either you haven't paid as ordered by the court or have received a CCJ in London
If your debt is more than £600
In Hackney, Islington, Kensington and Chelsea, the Consumer Credit Act doesn't regulate your debt. It basically means that London HCEOs cannot force debts such as payday loans, credit cards or any personal loans. Rather HCEOs only interfere in the unpaid debts in Greater London, including business debts, utility arrears, old rent arrears or tribunal awards. You will have to contact us if you receive a letter from the HCEO regarding their visit to your London property. Due to the efficiency of the HCEOs in London, it is often hard to deal with them.
What is the Creditor trying to accomplish using the High Court Enforcement Officers in London, Greater London?
A creditor can acquire many benefits if they use HCEOs rather than County Court Enforcement agents of London. In Hackney, Islington, Kensington and Chelsea, the creditor can increase 8% of the owed debt after being passed on to the HCEOs. As the debtors are charged with a higher fees by the HCEOs in London, they are under pressure to pay off. It can be a hard task to stop HCEOs from taking action in London. Mostly HCEOs are allotted and paid by private companies according to the amount they've collected in Greater London. Hence many creditors in London think that HCEOs are efficient and faster as compared to other companies.
When does the High Court Enforcement Officer get involved in London, Greater London?
The creditor in London firstly applies for a written order of control which helps HCEO to demand the payment from the debtor or take their goods by visiting their property. The debtors are informed about their visit to London by the HCEO through a letter. Around seven says prior to the visit in Hackney, Islington, Kensington and Chelsea the notice is issued. Upon HCEO's visit in London property, their first demand is to ask for the owed debt. If the debtor in London does not pay up, the next step is to take control or possession of their goods that can be held until the debt payment is decided. The HCEO can contact the debtors' business premises in London if they are self-employed. If the debtor doesn't pay, the taken goods are sold off by listing. The HCEO will only leave certain goods that are similar to other types of enforcement agents in Greater London. The HCEO can also allow the debtor to pay the debt in instalments and keep their goods, in London. However, they can remove and sell those goods anytime in London if the debtors default. This is known as a 'Controlled Goods Agreement". If the goods are large such as cars, the HCEO can take them quickly in London because they can be sold quickly too and can pay off debt, and they can ensure that you don't drive the vehicle; another possibility is that the HCEO can take the goods immediately if they think that they will remove or sell them before paying off the required debt.
Is there a possibility for a High Court Enforcement Officer to forcefully enter my home in London, Greater London?
HCEOs are not allowed to forcefully enter your home in London but they can look for goods. In Islington, Kensington, Chelsea and Hackney, this means that they are not allowed to push past you forcefully, climb through your window, or put a shoe in your doorway preventing you from closing your door on them. The only time the HCEOs can forcefully enter your place in London if you haven't paid them is when they have visited you before and taken control of certain goods of yours. When it comes to commercial properties, the rules are different in London. Even if you don't let the HCEOs enter into your business property in London, they can still forcefully enter.
What are you supposed to do in case a High Court Enforcement Officer calls you in London, Greater London?
It is recommended that you pay off your debts in London if you can afford to do so, before the HCEO enters your property in London. If you cannot pay the debt all at once, you can also propose to pay the debt in instalments as a feasible alternative. You also need to present your preferred payment in written form to the HCEO in London and to the creditor directly. Include your copy of budget. If the HCEO in Hackney, Kensington, Chelsea or Islington have not replied yet, start your payment as per your offered instalment plan nonetheless. If rejected once, you might have to increase your budget in London if the HCEO has visited and taken control of your goods.
How much do the High Court Enforcement Officer charge in London, Greater London?
Even though every London enforcement agent adds more fees to debts, the HCEOs charge comparatively higher. These prices are decided by law in Greater London. If you owe £1000 for instance, and you refuse to pay them and end up allowing the HCEOs in London to take your goods, you will additionally be paying a minimum of £1285. Whenever the 'Notice of Enforcement' is sent in London, £75 are added to your debt fees. Upon the first visit of HCEOs in your London property, additionally £190+7.5% of the debt will also be added. You will have to pay £495 additionally if you are unable to pay or fail to comply by their requirement. If the HCEO revisits your place in London to take your goods then around £525 and 7.5% value of the debt will be added to your debt amount of more than £1000. If your goods are sold in Hackney, Islington, Chelsea or Kensington, there are extra storage and auction expenses that are added as well.
How can you stop High Court Enforcement Officers in London, Greater London?
You can only apply in to stop HCEOS in the London court if you are unable to reach an agreement over how to pay off debts through "Stay of Execution". It is rather harder than stopping the County Court agents who collect the County Court Judgement, and the court might also not agree for the "Stay of Execution" in London.