What Are The Functions Of High Court Enforcement Officers In Glasgow In City of Glasgow?
If you are an England or Wales residence and your debtor files a County Court Judgement (CCJ) against you in Glasgow, in some instances you can employ a High Court Enforcement Office (HCEO) to help in the debt collection.
The HCEO is a kind of High Court Enforcement officer who will go to your residence in Glasgow and in case you don't make a deal to pay the debt, they may take out your goods to sell at auction in City of Glasgow.
A creditor can use HCEO services in Glasgow if:
You have received a CCJ in Glasgow or you haven't made the payments as directed by the court's judgement
You have a debt above £600
The Consumer Credit Act is not applicable to your debt in Baillieston, Acre, or Cadder
Debts like the overdrafts, credit cards, personal loans or payday loans cannot be enforced by the HCEO's in Glasgow.
However, City of Glasgow HCEO's may make an agreement with non-regulated debts, which include service debts, business arrears, tribunal awards or outdated rent debts.
If an HCEO officer visits you in Glasgow, or you receive a letter informing you of their coming, give us a call for more advice immediately.
Our Glasgow HCEO can be difficult to deal with on your own because we usually act quickly.
Why Does A Creditor Use Enforcement Officers Of The High Court In Glasgow, City of Glasgow?
There are many benefits why a creditor would use HCEOs rather than County Court Enforcement officers in Glasgow.
Immediately when the HCEO has received the debt in Baillieston, Acre, or Cadder, an interest of 8% may be added by the creditor.
The borrowers usually get under more pressure to pay the debt when they're dealing with the HCEO because their fees are much higher in Glasgow.
It can be extremely difficult in Glasgow to compromise HCEOs.
High Court Enforcement Officers are employees of a company that is private and in City of Glasgow, get their pay according to their collection amount.
This is why Glasgow creditors think HCEOs are more reliable and effective as opposed to other companies.
How Does High Court Enforcement Officer Involve Themselves In Glasgow In City of Glasgow?
The Glasgow creditor first applies for the writ of control which allows the High Court Enforcement Officer to visit the property to recover the payment or take your goods away.
You will receive a note of enforcement from the HCEO informing you that they are going to get in touch with you in Glasgow.
The notice would be issued by HCEOs 7 days prior to the visit in Cadder, Acre, or Baillieston.
Your Glasgow property will be visited by the HCEO and you would be asked to make your payment in full.
They will take control of the valuable items in your home in Glasgow if you couldn't pay the debt in full.
The HCEO may also call at the debtors' business premises in Glasgow 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.
Like other types of enforcement agent in City of Glasgow, they can remove certain types of goods from your property.
Debtors may be allowed by the Glasgow HCEO to keep the goods and pay their debts in instalments.
However, they'll come back and remove the goods to sell them in Glasgow if you missed any instalments.
This procedure is termed as controlled goods agreement.
Sometimes the HCEO's can take goods straight away in Glasgow 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.
Are High Court Enforcement Officers Allowed To Break Into The Home In Glasgow In City of Glasgow?
On their first visit, the HCEOs can't break into your home in Glasgow, so they will just come to visit you to explore the goods in your home.
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 Baillieston, Acre, or Cadder.
However, they can use force to come in again if they've previously been in your home in Glasgow, listed goods in a controlled goods agreement, and you don't pay them.
Commercial premises in Glasgow have different rules.
If you are self employed in Glasgow, the HCEO has the right to forcefully enter your property if you try to stop them.
What Action Should I Take If I'm Contacted By A Hceo In Glasgow, City of Glasgow?
It is advised that you pay off your debts before the HCEO comes knocking on your door in Glasgow and that is of course, if you can afford to do so.
You'll need to make an offer to pay off your debt in instalments if you can't afford to pay them in one go.
You need to send your payment offer to the HCEO in Glasgow and directly to the creditor in written form.
Attach a copy of your budget.
Even if the HCEO in Acre, Baillieston, or Cadder does not reply to your instalment request, pay your dues according to your instalment plan.
In case they turn down your payment request, you will need to think of increasing it, particularly if the court enforcement agent has come to Glasgow and seized your items.
What Are The Fees In Glasgow In City of Glasgow Of High Court Enforcement Officers?
Enforcement agents in Glasgow usually add fees to debts but the fees charged by HCEOs is often higher.
The charges are lawfully set in City of Glasgow.
For example, if you refuse to make payment and you have a debt of £1,000, and the Glasgow HCEO takes your goods, the total fees added will be at least another £1,285.
If an enforcement notice is sent to you in Glasgow, a fee of £75 will be added.
When the HCEO first visits in Glasgow, £190 +7.5% of the debt value will be added to debts over £1,000.
If you don't make an arrangement to pay, or if you breach an arrangement to pay, £495 would be added to your debt.
If HCEO comes back in Glasgow to remove the goods then another £525+7.5% of the debt value over £1000 debt is added to the debt.
The storage and auction costs are added if HCEO remove your goods and sell them in Acre, Cadder, or Baillieston.
Is There Any Way That I Can Stop Court Enforcement Agents In City of Glasgow's Glasgow?
Apply to the Glasgow court to cut short the HCEOs if it's difficult to make an arrangement on how to clear the debt in instalments with a stay of execution.
The court won't always agree to the stay of execution in Glasgow and it can be really difficult to stop the HCEOs as compared to the County Court enforcement agents who use CCJs.