What Can High Court Enforcement Officers In Birkenhead In Merseyside Do?
If you are situated in Wales or England, your creditor can use a High Court enforcement officer to take the debt you owe, if they have a County Court judgement opposing you in Birkenhead.
The HCEO is a different type of bailiff or enforcement agent who might visit your property in Birkenhead or sell your goods at auction in Merseyside if you have not made an agreement to pay the debts against you.
Creditors can use HCEOs in Birkenhead when:
You have not paid according to the judgment by the court although you in Birkenhead have a CCJ
You have a debt above £600
Your debt in Oxton, Woodchurch, or Birkenhead is not supervised by the Consumer Credit Act
HCEO's in Birkenhead have no control over debts like credit cards, overdrafts, payday or personal loans.
However, Merseyside HCEO's can handle unregulated debts including tribunal awards, utility arrears, old rent arrears, and business debts.
In case you have been visited by an HCEO agent in Birkenhead, or received a letter articulating that they will come, let us know for immediate advice.
Normally, our Birkenhead HCEO runs quickly and can be difficult for you to manage on its own.
Why Should A Creditor Patronize Enforcement Officials At The High Court In Birkenhead, Merseyside?
There are many benefits why a creditor would use HCEOs rather than County Court Enforcement officers in Birkenhead.
8% interest can be added to the debt by the creditor in Birkenhead, Oxton, or Woodchurch, if the HCEOs pass the debt.
The high fees of HCEO in Birkenhead put more pressure on people to pay the outstanding payment.
HCEOs can be more difficult to stop in Birkenhead.
HCEOs work in a private firm and are paid according to the percentage they receive in Merseyside.
Many creditors in Birkenhead think HCEOs are quicker and more efficient because of this.
How Does An Enforcement Officer Of The High Court In Birkenhead, Merseyside Participate?
Next, the creditor in Birkenhead applies for a writ of control that advises the HCEO to verify the property and receive payments for your products.
The debtor is informed about their coming to Birkenhead through a notice of enforcement letter.
At least seven days' notice must be given, before their first visit in Birkenhead, Oxton, or Woodchurch.
An enforcement officer from high court will come to your home in Birkenhead and request you to clear the debt.
Failure to adhere to this in Birkenhead means they will confiscate goods until the time you settle the debt.
The HCEO may also call at the debtors' business premises in Birkenhead if they are self-employed.
Seizing of goods involves the HCEO making a list of items that they'll carry and sell if you fail to pay up the debt.
Some goods cannot be taken and some can which is the same as almost any other enforcement agent in Merseyside.
Normally, the Birkenhead HCEO will allow you to keep the goods and then settle the arrears in instalments.
In case you fail any instalment, they will be back and seize the items for auctioning in Birkenhead.
This is known as a controlled goods agreement.
In some cases, HCEO's may remove goods right away in Birkenhead, especially in case they find a big product like a car, which may be sold to pay the debt straight away or in case they believe you may take out or sell the controlled goods before you have paid off the debt, also, they may clamp your car in order to stop you driving it.
Does A High Court Enforcement Officer Have The Right To Break Into My Home In Birkenhead In Merseyside?
HCEOs will attempt to gain entry into your home to search for goods, it is illegal for them to forcefully enter your property in Birkenhead on the first visit.
This means that cannot pass through you, stop you from closing the door and also they cannot climb the window to enter your house in Birkenhead, Woodchurch, or Oxton.
They can enter if they have visited your property in Birkenhead before and you refuse to pay them, to seize goods listed in the controlled good agreement.
There are different rules at commercial premises in Birkenhead.
Here, the HCEOs can forcefully break into your business premises in Birkenhead if you don't let them in.
What Can You Do If A High Court Enforcement Officer (hceo) Contacts You In Merseyside's Birkenhead?
In case you have the money and can pay the debt in full before the HCEO first goes around the Birkenhead residence, you should do this as this will reduce the costs.
In case you are unable to settle the debt at once, you should request for settling it in bits.
You should send your payment offer to the HCEO and a copy to the creditor in Birkenhead.
Also add a copy of your budget.
Start repaying according to the debt you've specified on the payment offer even before you hear from the HCEO in Woodchurch, Oxton, or Birkenhead.
You can consider increasing the rate of the offer if they refused your offer of payment if the HCEO has taken control of your goods in a visit in Birkenhead.
What Are The Fees Charged By Hceos In Birkenhead, Merseyside?
Enforcement fees is added to the debt by every enforcement agent in Birkenhead but HCEOs have the higher fees scales.
The charges are according to the law in Merseyside.
For instance, if you are owing £1,000, and you do not pay up before the HCEO in Birkenhead takes control of your goods, additional fees would be added, amounting up to at least £1,285.
When a 'Notice of enforcement' letter is sent in Birkenhead, it will add £75.
When HCEO makes the first visit in Birkenhead, your debt is added with £190 + 7.5% of the debt over £1000.
If you refuse to make a payment arrangement on how to clear the debt, or break an arrangement, a fee of £495 is added.
If the HCEO returns in Birkenhead to take your goods, £525 +7.5% of the debt value will be added for debts over £1,000.
Other auction costs and storage fees can be added if your goods are removed and sold in Woodchurch, Birkenhead, or Oxton.
Is It Possible To Prevent High Court Enforcement Officers In Merseyside's Birkenhead?
If you cannot plan to settle your debt in bits, you may choose to file an application in court in Birkenhead to HCEOs which is an "Execution Stay".
It is more difficult rather than stopping County Court enforcement agents who would be used to collect a County Court Judgement (CCJ) and the court may also not agree to the Stay of Execution in Birkenhead.