What Is The Work Of The High Court Enforcement Officers In Maidstone In Kent?
If you are situated in Wales or England, your creditor can use a High Court enforcement officer to take the debt you owe, if they have a County Court judgement opposing you in Maidstone.
The HCEO will come to your Maidstone site and if you don't come to an agreement on the debt settlement, they have the mandate to auction your goods in Kent as the HCEO is a kind of bailiff or an enforcement agent.
Guidelines that allow creditors to use HCEO's in Maidstone include:
You haven't settled your debts as ordered by the court during the judgement and yet you in Maidstone have a CCJ
Your debt is more than £600
The debt in Ditton, Coxheath, or Maidstone isn't controlled by the consumer credit act
HCEOs in Maidstone are not able to enforce debts including credit cards, overdrafts, payday loans or personal loans.
HCEO's in Kent only have power over loans like business debts, old rents, and utility arrears, tribunal awards and others that are not regulated.
You can contact us for counselling on what to do once the HCEO writes you about their coming or when they send their officer to you in Maidstone.
Our Maidstone HCEO can be difficult to deal with on your own because we usually act quickly.
Why A Creditor May Use High Court Enforcement Officers (hceos) In Maidstone In Kent?
Creditor has various benefits of utilising HCEOs as opposed to enforcement agents of the County Court in Maidstone.
A creditor in Ditton, Coxheath, or Maidstone may add eight percent interest if the debt has been moved to high court enforcement officers
Considering the higher charges by HCEOs in Maidstone, people are put under obligation to service their debts.
It's more difficult to stop the HCEOs in Maidstone.
Since HCEOs are hired and paid by a private company depending on the amount they collected in Kent.
This is why many creditors in Maidstone think HCEO's are faster and more efficient when compared with other companies.
How You Can Involve High Court Enforcement Officer In Kent's Maidstone?
Next, the creditor in Maidstone applies for a writ of control that advises the HCEO to verify the property and receive payments for your products.
The HCEO will send you a notice of enforcement letter telling you that they're going to call in Maidstone.
They will need to serve you with at least 7-days' notice prior to their first call in Maidstone, Coxheath, or Ditton.
Normally, the HCEOs ask you to pay the debt in full when they come to visit your home in Maidstone.
In case you are unable to pay the debt in Maidstone, they will seize some goods until you pay the debt in full.
It is also a must they come to your business in Maidstone if 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.
Also, the goods they can or cannot take out are the same as other kinds of enforcement officer in Kent.
Generally, Maidstone HCEOs will allow you keep the goods and make the payment of the debt in instalments.
The moment you miss an instalment, they will return, confiscate goods and sell them in Maidstone.
This is deemed a "Controlled Goods Agreement".
If in case, the officer from the HCEO visits your place and find a good item like car, in Maidstone they can straight away take that into their custody as it would easily pay-off your debt, or in other case, they might also clamp your vehicle in order to stop you driving the aforesaid vehicle until the debt is cleared.
Does A High Court Enforcement Officer Have The Right To Break Into My Property In Maidstone, Kent?
HCEOs look through your Maidstone property to search for items; however, they are not allowed to forcefully enter during their initial visit.
This means they can't push past you, climb through a window or skylight, or put a foot in the door to stop you closing it in Coxheath, Ditton, or Maidstone.
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 Maidstone house if you don't pay them.
Regulations vary depending on business properties in Maidstone.
The HCEOs are allowed to break into the business premises in Maidstone if it's your own business.
If The Hceo Officer Contacts Me In Maidstone, Kent, What Should I Do?
To keep the debt costs minimal before you get a visit in Maidstone from the HCEO, if you can afford the debt, you should pay in full.
You may consider making an offer to pay off the debts in instalments which is feasible if you cannot pay all at once.
You should send your terms of payment in writing to the HCEO and straight to the creditor in Maidstone.
Include a print of your financial plan.
If you do not hear back from the HCEO in Ditton, Maidstone, or Coxheath, you should begin paying instalments regardless.
If a HCEO does not accept your offer you should consider increasing your offer, especially if the HCEO has visited in Maidstone and taken control of your goods.
How Much Does A High Court Enforcement Officer Charge In Maidstone In Kent?
All court enforcement agents in Maidstone surcharge your debt; yet, HCEOs charge even a higher fee.
These fees are determined by law in Kent.
For instance, if you are owing £1,000 and refused to pay, only for the HCEOs in Maidstone to take control of your goods, you would pay at least an additional £1,285.
If they've sent the 'Notice of enforcement' letter in Maidstone, they'll charge an additional £75.
An additional £190 +7.5% of the debt would be added on the first visit in Maidstone of the HCEOs for debts over £1000.
£ 495 has been applied if you do not accept a payment arrangement, or if you agree to pay then breach it.
In case the HCEO returns in Maidstone to take your possessions, then £525 + 7.5% of the value over £1,000 is added.
Your goods are picked and sold in Ditton, Coxheath, or Maidstone, and the auction and storage costs are added.
How Can High Court Enforcement Officers Be Stopped In Maidstone In Kent?
In case you cannot make a deal to pay the debt off in instalments, you may be able to apply to the Maidstone court to stop the HCEO's with a 'stay of execution'.
This is extremely hard as compared to preventing enforcement agents from a County Court who are normally deployed to pick a CCJ & the court will often not accept the "execution stay" in Maidstone.