What Are The Functions Of High Court Enforcement Officers In Ealing In Greater London?
The Creditors can collect the debt with the help of a High Court Enforcement officer if, in Ealing, they have a County Court judgment (CCJ) against you in England and Wales.
The High Court Enforcement Officer is a bailiff or an enforcement agent who will be at your property in Ealing to remove goods which will be auctioned off in Greater London if you refuse to make an agreement to pay your debt.
The HCEOs in Ealing can be used by the creditor if:
You have a CCJ and failed to make the payments the court in Ealing instructed you to make in the judgment
You are owing more than £600
The Consumer Credit Act is not applicable to your debt in Dormer's Wells, Bedford Park, or Ealing
HCEOs in Ealing cannot require debts, such as credit cards, overdrafts, payday loans or personal loans.
HCEOs in Greater London can deal with debts that are non-regulated such as business debts, utility arrears, tribunal awards or old rent arrears.
If you have received a notice of HCEO's visit to your Ealing premises or they have already visited you, don't panic and call us for advice.
It is known that our Ealing HCEO's act quickly so it can be hard for you to deal with this.
What Is The Aim Of The Creditor By Using The High Court Enforcement Officers In Ealing In Greater London?
There are many benefits why a creditor would use HCEOs rather than County Court Enforcement officers in Ealing.
The first advantage is that the creditor can add up to 8% to the debt owed after the debt has been passed to the HCEOs in Ealing, Bedford Park, or Dormer's Wells.
Because of the higher fees charged by HCEOs in Ealing, debtors are always under pressure to pay up.
It can be far more difficult to stop HCEOs in Ealing.
High Court Enforcement Officers are employees of a company that is private and in Greater London, get their pay according to their collection amount.
This is why many creditors in Ealing think HCEO's are faster and more efficient when compared with other companies.
How Do Enforcement Agents From High Court Get Concerned In Greater London's Ealing?
The Ealing creditor would take the first step of applying for a writ of control, which paves the way for the HCEO to visit the property and demand for payment or take the debtors' goods instead.
You will receive a note of enforcement from the HCEO informing you that they are going to get in touch with you in Ealing.
They are required to provide you with a minimum of 7 days notice before they visit in Dormer's Wells, Bedford Park, or Ealing the first time.
An HCEO will attend your property in Ealing and expect full payment of the debt.
If you are unable to pay your debts in Ealing, then they will look for goods that can be taken into custody until the amount if cleared.
If you own a business, the HCEOs may also go to your business premises in Ealing.
When the HCEO takes control of your goods, they would draw up a list of the goods to be removed and sold off if the debt is still not paid.
Goods that they can not or can not remove are the same as other HCEOs in Greater London.
Many of the times, the HCEO in Ealing will let you keep the goods and will also offer an instalment plan, if needed.
In case you don't pay any instalment, they will return and take out the goods to sell them in Ealing.
This act is referred to as controlled property agreement.
In some cases HCEOs will remove the goods straight away in Ealing to recover the debt by auctioning them especially if they find a large item like car through which, entire debt can be recovered immediately, or if they think you might remove or sell the controlled goods before the payment of your debt and they are also authorised to seize your vehicle to prohibit you from using it.
Does A High Court Enforcement Officer Have The Right To Break Into My Property In Ealing, Greater London?
HCEOs can't force their way in on the first visit, but they will try to enter your home in Ealing to look for goods.
This means they can't prevent you from closing the door and they can't even push past you and they aren't allowed to climb through a window or skylight in Dormer's Wells, Bedford Park, or Ealing.
But remember, in case you don't pay the debt, HCEOs can use force to come in, if they had already visited your Ealing property before and listed your goods in the controlled goods agreement.
At Ealing commercial buildings, the rules are different.
If you run your own business, the HCEO can use force to break into the Ealing premises if you don't allow them to come in.
What Can Be Done When A High Court Enforcement Officer Contacts You In Ealing In Greater London?
To ensure that costs are kept to the barest minimum, simply try to pay your debts in full before the HCEO visits your property for the first time in Ealing.
In case you are unable to settle the debt at once, you should request for settling it in bits.
You should send your offer of payment in writing directly to the creditor and HCEO in Ealing.
Enclose a copy of your expenditure.
Start repaying according to the debt you've specified on the payment offer even before you hear from the HCEO in Dormer's Wells, Ealing, or Bedford Park.
In case they deny your offer of payment, you might need to rise it, especially in case the HCEO has gone around and taken control of your possessions in Ealing.
What Are The Fees Charged In Ealing In Greater London By High Court Enforcement Officers?
Although all Ealing enforcement agents add more fees to your debts, the HCEOs tend to charge higher.
These fees are determined by law in Greater London.
For example, if you refuse to make payment and you have a debt of £1,000, and the Ealing HCEO takes your goods, the total fees added will be at least another £1,285.
As soon as the Enforcement notice is sent in Ealing, another £75 is added.
When you are visited in Ealing by the HCEO, £190 +7.5% of the debt value of over £1,000 is also added.
If you didn't make an agreement to pay, they'll charge £495 extra or if you broke the agreement at some stage.
£ 525 + 7.5% of the loans above £1 000 will be added when the HCEO arrives again in Ealing to drive the items away.
Other costs such as storage and auctions fees are added for the removal and sale of your goods in Ealing, Bedford Park, or Dormer's Wells.
How Can High Court Enforcement Officers Be Stopped In Ealing In Greater London?
You can apply to the Ealing court to stop the HCEOs if you can't come to an agreement to pay off the debt in instalments via a 'stay of execution'.
In contrast to County court enforcement officers who are required to use a CCJ, it is harder to stop HCEOs and the stay of execution in Ealing may not be approved by the courts.