What High Court Enforcement Officers In Greater London's Havering Can Do ?
When a County Court judgment (CCJ) is obtained against a debtor in Havering who lives in Wales or England, one effective way of colleting the debt is through the High Court enforcement officer (HCEO).
The High Court Enforcement Officer (HCEO) is an enforcement agent charged with the responsibility of visiting Havering premises for retrieving creditors' money and removing goods to sell at auction in Greater London.
Creditors can use HCEOs in Havering when:
You have a CCJ in Havering and you did not pay the penalty you were told by the court
You have a debt above £600
Your debt in Stapleford Abbotts, Bulphan, or Abridge is not supervised by the Consumer Credit Act
This means HCEOs in Havering can't enforce debts such as credit cards, overdrafts, personal loans or payday 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.
You should get advice by giving u a call if an enforcement officer has visited your home in Havering or have received a letter stating that they will come.
Our HCEO in Havering will typically act quickly and can be hard to deal with alone.
What Reasons Does A Creditor Have To Work With Hceos In Greater London's Havering?
The creditor can avail several advantages by using the HCEO rather than some other County Court enforcement agents in Havering.
The creditor can charge a maximum of 8% interest once the HCEO approves the debt against you in Abridge, Bulphan, or Stapleford Abbotts.
The high fees of HCEO in Havering put more pressure on people to pay the outstanding payment.
It's more difficult to stop the HCEOs in Havering.
HCEOs are contracted by private companies and are paid as per the amount they collect in Greater London.
This makes HCEO's more efficient and reliable in the eyes of creditors in Havering.
How Does High Court Enforcement Officer Involve Themselves In Havering In Greater London?
Firstly, the creditor in Havering needs to request for a writ of control which requires the HCEO to go around your residence and obtain the payment or take your goods.
HCEO's send an enforcement notice informing you about their visit in Havering.
They have to provide at least a week's notice before visiting you in Abridge, Stapleford Abbotts, or Bulphan for the first time.
The HCEO will ask you to pay the debt in full when they visit your home in Havering.
Failure to do this in Havering will make them search for goods to confiscate until the debts are paid.
They might also pay a visit at your workplace in Havering in case you are self-employed.
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.
Just like other enforcement agents in Greater London, there are goods they can confiscate and those that they can't.
Usually the HCEO in Havering will let you pay the debt off in instalments and keep the goods.
The HCEO can always come back to remove and sell those goods in Havering anytime the debtors default.
This is deemed a "Controlled Goods Agreement".
The large items like cars are the major target of HCEOs, so if they found any of such items in your home, they will immediately take control of it in Havering and they will sell it to pay off the debt and it usually happens when they doubt that you might sell the controlled goods before paying off the debt and they can also stop you from driving the vehicle by clamping it.
Can High Court Enforcement Officers Break Into A Debtors House In Havering, Greater London?
The HCEO will never break your house in Havering and look for the goods on their first visit, but they can try to collect the goods.
So, they cannot push past you, put a foot in the door to halt you from closing it, or climb in through a window or skylight in Abridge, Stapleford Abbotts, or Bulphan.
Nevertheless, if the HCEOs have previously visited your Havering property and made a list of items in a controlled goods agreement, they can forcefully return if you have not settled the debt.
The rules vary at commercial premises in Havering.
If you run your own business, the HCEO can use force to break into the Havering premises if you don't allow them to come in.
What Can Be Done When A High Court Enforcement Officer Contacts You In Havering In Greater London?
If you can pay the debt fully before the HCEO initially attends your house in Havering, you should do this and that will reduce the costs to the least.
You may want to make an offer to pay off the debts in instalments and this is feasible if you cannot pay all at once.
Send an offer of payment in writing directly to the creditor and the HCEO in Havering.
Also add a copy of your budget.
Moreover, even if the High Court Enforcement Officer in Stapleford Abbotts, Bulphan, or Abridge hasn't replied, you may begin to pay the debt at the rate you have offered.
If they don't accept your payment offer, you may have to think of raising it, specifically if the HCEO has attended in Havering and seized your goods.
What Do High Court Enforcement Officers Charge In Havering, Greater London?
HCEOs have a higher scale of fees as compared to the enforcement agents in Havering but they all charge fees on top.
These fees are set in law in Greater London.
For instance, the HCEO in Havering 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.
When the 'Notice of enforcement' letter is sent in Havering, a charge of £75 is added.
When the HCEO visits for the first time in Havering, £190 + 7.5% of the value of the debt over £1,000 is added.
If you don't make an arrangement to pay, or if you breach an arrangement to pay, £495 would be added to your debt.
£525 +7.5% of the liability balance above £1,000 is added if the HCEO returns to Havering to carry your goods.
The storage and auction costs are added if HCEO remove your goods and sell them in Abridge, Stapleford Abbotts, or Bulphan.
Is There Any Way That I Can Stop Court Enforcement Agents In Greater London's Havering?
Apply to the Havering 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.
It would be more harder than stopping enforcement officers from the county court who usually collect a county court judgment and the court does not always accept stay of execution in Havering.