What Can A High Court Officer In Crawley, West Sussex Do?
Your creditor in England and Wales can use the High Court enforcement officers (HCEO) in some cases, if he has the County Court judgment (CCJ) against you in Crawley, to collect the debt.
HCEO refers to a particular kind of bailiff or enforcement representative and they will come to your Crawley home and in case you fail to agree on paying the owed money, they may decide to auction your property or merchandise in West Sussex.
The services of Crawley HCEOs can be used by the creditor if:
You have a CCJ in Crawley and you have not paid the debts the court notified you to in the judgment
You have an over £600 debt
The Consumer Credit Act is not in control of debt in Horsham, Burgess Hill, or Haywards Heath
This implies that debts such as credit cards, personal loans, payday loans, and overdrafts cannot be enforced by the HCEOs in Crawley.
HCEO's in West Sussex only have power over loans like business debts, old rents, and utility arrears, tribunal awards and others that are not regulated.
If a HCEO has visited you in Crawley or contacted you via a letter to explain they will attend, ask us for advice quickly.
You may find it difficult to deal with the HCEOs in Crawley on their own as ours act quickly.
Why Should A Creditor Engage Enforcement Officers From High Court In West Sussex's Crawley?
Instead of using County Court enforcement agents, there are numerous benefits for creditors who use HCEOs in Crawley.
The creditor in Haywards Heath, Burgess Hill, or Horsham has the right to include an 8% interest when they involve the HCEO.
It pay off because debtors are always under pressure to pay up because of the higher fees charged by HCEOs in Crawley.
Stopping HCEOs is a very difficult process in Crawley.
The HCEOs are paid based on the amount they collect in West Sussex while they're hired by a private company.
Many Crawley creditors believe that HCEOs are faster and more reliable when compared with other companies.
How Does A Hceo Get Involved In Crawley In West Sussex?
The creditor would take the first step of applying for a writ of control in Crawley, which paves the way for the HCEO to visit the property and demand payment for debt or take the debtors' goods instead.
The HCEO will issue you a notice of enforcement in Crawley and will also indicate when they will call you.
HCEOs must give you a notice at least 7 days before they visit your property in Haywards Heath, Burgess Hill, or Horsham.
Normally, the HCEOs ask you to pay the debt in full when they come to visit your home in Crawley.
If you are unable to do this in Crawley, they would search for the valuable goods you own which could be taken till the payment is made.
If you own a business, the HCEOs may also go to your business premises in Crawley.
To take control of goods means that HCEO produces a list of items that are to be deleted and sold if the debt is not paid.
They have the same restrictions as other enforcement agents in West Sussex on the goods they can or cannot touch.
Usually, an HCEO in Crawley will let you have the goods and pay the liability off in parts.
However, they'll come back and remove the goods to sell them in Crawley if you missed any instalments.
This is termed a goods agreement that is controlled.
Sometimes the HCEO's can take goods straight away in Crawley such as if they can find a large item in your premise like a car, which can be sold to clear the debt immediately, or they may also clamp your vehicle to ensure you cannot drive it until you have completely paid off the debt.
Is It Possible For A High Court Enforcement Officer (hceo) To Break Into My Home In Crawley In West Sussex?
HCEO's will make an effort to enter your property in Crawley to check for items but they cannot enter with force during their first visit.
It implies that they cannot climb through a window or skylight, push past you, or put a foot in the door to prevent you from shutting it in Haywards Heath, Horsham, or Burgess Hill.
However, if they have previously visited your house and separated the controlled goods agreement goods, the next time they can use for to gain access into your Crawley house if you don't pay them.
But when it is a Crawley commercial premises owned by you, there are different rules.
If you don't let HCEOs in, they are authorised to use force to break in to the business premises in Crawley.
What Must I Do In Case A Court Enforcement Agent Calls Me In West Sussex's Crawley?
It is advised that you pay off your debts before the HCEO comes knocking on your door in Crawley and that is of course, if you can afford to do so.
If it would be difficult for you to settle the debt at once, you can make an arrangement to clear it in instalments.
Write your offer of payment and send it directly to the creditor or the HCEO in Crawley.
Enclose a copy of your expenditure.
Start paying the debt at the rate stated in the offer even if you have not received a reply from the high court enforcement officer in Haywards Heath, Burgess Hill, or Horsham.
You may need to consider increasing your offer of payment if they refuse it, especially if the HCEO has visited in Crawley and taken control of your goods.
How Much Does A High Court Enforcement Officer Charge In Crawley In West Sussex?
Fees are added to the debts by all the enforcement agents in Crawley, however, that of the HCEO is normally higher.
These fees are fixed by law in West Sussex.
Take an example, you have a debt of £1000, have failed to pay back and the enforcement officer in Crawley has confiscated your items and the total costs will be at least an extra £1285.
As soon as the Enforcement notice is sent in Crawley, another £75 is added.
When the HCEO first visits in Crawley, £190 +7.5% of the debt value will be added to debts over £1,000.
If you don't make an offer of payment or you breach the payment agreement, another £495 is added.
When the HCEO visits again in Crawley to remove the listed goods, another £525 +7.5% of the debt value of over £1,000 is added.
Other storage and auction expenses are included if your possessions are taken out and sold in Burgess Hill, Haywards Heath, or Horsham.
How Can I Prevent High Court Enforcement Officers In Crawley In West Sussex?
If you cannot plan to settle your debt in bits, you may choose to file an application in court in Crawley to HCEOs which is an "Execution Stay".
This is harder than stopping the County Court execution agents that would normally be used to collect a CCJ, and the court does not often grant a stay of execution order in Crawley.