Enforcement Officers Based In High Court; What Is Their Work In East Sussex's Eastbourne?
In some instances, your creditor may use an enforcement officer from the high court to collect debt if the creditor has got a county court judgement against you in Eastbourne and you reside in Wales or England.
The HCEO is a kind of bailiff or enforcement agent and they'll attend your property in Eastbourne and remove goods to sell at auction in East Sussex if you don't make an agreement to pay the debt.
A creditor in Eastbourne may make use of HCEOs if:
You have been served with a CCJ in Eastbourne but you are yet to pay what the court asked you to during judgment
You owe over £600
The Consumer Credit Act is not in control of debt in Willington, Seaford, or Polegate
It means that Eastbourne HCEOs do not have the jurisdiction to enforce debts such as personal loans, payday loans, overdrafts or credit cards.
But HCEO's in East Sussex can handle debts that are non-regulated like utility arrears, business debts, tribunal verdicts, or old occupancy debts.
In case you have had a visit from a High Court Enforcement Officer, or a note informing that they are going to visit your Eastbourne property, get in touch with us for help.
Normally, our Eastbourne HCEO runs quickly and can be difficult for you to manage on its own.
Why A Creditor May Need High Court Enforcement Officers In East Sussex's Eastbourne?
A creditor has several advantages when using a HCEO instead of a county court enforcement agent in Eastbourne.
The creditor in Seaford, Polegate, or Willington can add 8% interest once the debt has been passed to HCEOs.
Considering the higher charges by HCEOs in Eastbourne, people are put under obligation to service their debts.
To stop HCEO is very difficult in Eastbourne.
High Court Enforcement Officers are employees of a company that is private and in East Sussex, get their pay according to their collection amount.
Many creditors in Eastbourne feel HCEOs are more effective and faster because of this.
How Can An Officer Of The High Court Enforcement Agency In Eastbourne, East Sussex Be Involved?
The Eastbourne 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 should be offered an enforcement notice from the HCEO's informing you about their visit in Eastbourne.
The notice would be issued by HCEOs 7 days prior to the visit in Seaford, Willington, or Polegate.
Your Eastbourne property will be visited by the HCEO and you would be asked to make your payment in full.
If you can't do this in Eastbourne, they'll look for valuable items to take control of your goods until the debt is paid.
If you own a business, the HCEOs may also go to your business premises in Eastbourne.
The term 'taking control of goods' involves the HCEO making a list of items that will taken away and sold out in case of debt payment failure.
Goods that they can not or can not remove are the same as other HCEOs in East Sussex.
Usually, the HCEOs in Eastbourne ask the borrower to pay the debt off in instalments, as to keep the goods.
But if you miss out to pay the instalment, they might visit again and take goods in their list to sell in Eastbourne and pay-off your instalment.
This is termed a goods agreement that is controlled.
At times, HCEO's may seize the items right away in Eastbourne, particularly if there is a bulky asset like a vehicle which may be auctioned to instantly settle the debt, or in case they believe you are likely to hide or dispose off the controller property before paying your debt, and they may as well secure your car to prevent you from driving it.
Does A High Court Enforcement Officer Has The Authority To Break Into The Home In East Sussex's Eastbourne?
HCEOs cannot force their way into your home in Eastbourne on the first visit, but instead, they will look for goods but cannot enter forcefully.
This implies they are not allowed to climb through a skylight or window, push past you or block the door with their foot to stop you from closing it in Polegate, Willington, or Seaford.
HCEOs can only use force to come into your Eastbourne home if you don't pay them, only if they have been there previously and have listed some goods in a controlled goods agreement.
Regarding commercial property in Eastbourne, the laws are different.
HCEO may use force to break into the premises in Eastbourne if you do not let them in if you run your own firm.
What Must I Do In Case A Court Enforcement Agent Calls Me In East Sussex's Eastbourne?
In case you have the money and can pay the debt in full before the HCEO first goes around the Eastbourne residence, you should do this as this will reduce the costs.
If it is difficult for you to pay the debt in one go, you must try to make an offer to pay the debt in instalments.
You need to send a written offer of payment to the creditor and the HCEO in Eastbourne.
Attach a copy of your budget.
And even if the HCEO in Willington, Seaford, or Polegate hasn't replied, you should start paying off your debt at the rate you've offered.
If the HCEO officer had already visited your place in Eastbourne or have taken control of your goods, consider revising your offer if the proposal is rejected by the HCEO.
What Violations Will Enforcement Officers Of The High Court Charge In Eastbourne, East Sussex?
HCEOs have a higher scale of fees but all enforcement agents in Eastbourne add charges to your initial debt.
The fees are set in law in East Sussex.
For instance, the HCEO in Eastbourne will charge £1,285 in total if you have a debt of £1,000 and they will sell your goods to recover the entire amount.
If they've sent the 'Notice of enforcement' letter in Eastbourne, they'll charge an additional £75.
When the HCEO first visits in Eastbourne, £190 +7.5% of the debt value will be added to debts over £1,000.
In case you do not have any plan to settle your debt, or you fail to pay as agreed, then £495 will be included.
Removal of goods by the HCEO when they attend Eastbourne again can add £525 as well as 7.5% of the debt value over £1000.
Additional handling and sale charges are added if items are taken and sold in Willington, Polegate, or Seaford.
How To Stop Enforcement Officers From High Court In Eastbourne, East Sussex?
If you are unable to successfully reach a payment agreement, you can stop the HCEOs by submitting an application to the courts in Eastbourne for a 'stay of execution'.
This is harder than stopping the County Court enforcement officers that would usually be used to gather a CCJ and the court won't constantly make an agreement to stay of execution in Eastbourne.