What Are High Court Enforcement Officers In Essex's Rayleigh Able To Do?
Unless you live in the UK or Wales and the borrower has a judgement against you in Rayleigh by the County Court (CCJ), they may in some instances use a High Court enforcement officer (HCEO) to collect the debt.
The High Court Enforcement Officer (HCEO) is an enforcement agent charged with the responsibility of visiting Rayleigh premises for retrieving creditors' money and removing goods to sell at auction in Essex.
Creditors are allowed to use HCEOs in Rayleigh if:
You've not made the payments but you have a CCJ and payments the court in Rayleigh told you to in the judgment
You have the debt equal to or more than £600
Your balance due in Benfleet, Canvey Island, or Wickford is not controlled by Consumer Credit Act
HCEOs in Rayleigh cannot require debts, such as credit cards, overdrafts, payday loans or personal loans.
However, Essex HCEO's are fully authorised to deal with non-regulated debts like pending utility bills, business debts, tribunal awards or pending old rent dues.
You should get advice by giving u a call if an enforcement officer has visited your home in Rayleigh or have received a letter stating that they will come.
Normally, our HCEO in Rayleigh reacts with speed and it may be hard handling them individually.
Why A Creditor May Use High Court Enforcement Officers (hceos) In Rayleigh In Essex?
Instead of using County Court enforcement agents, there are numerous benefits for creditors who use HCEOs in Rayleigh.
The creditor in Wickford, Canvey Island, or Benfleet has the right to include an 8% interest when they involve the HCEO.
As HCEOs fees are more costly in Rayleigh, this may put individuals under more pressure to make the payment
It can be really difficult in Rayleigh to stop an HCEO.
Since HCEOs work for private companies, their pay is depends on the total amount of money recovered in Essex.
This makes creditors in Rayleigh think HCEO's are more effective, and ensures quicker results.
When Would The High Court Enforcement Officer (hceo) Be Involved In Rayleigh In Essex?
Next, the creditor in Rayleigh applies for a writ of control that advises the HCEO to verify the property and receive payments for your products.
You'll receive a notice of execution letter from the HCEO informing you that they're going to contact you in Rayleigh.
They will need to serve you with at least 7-days' notice prior to their first call in Benfleet, Canvey Island, or Wickford.
You would typically be asked to pay the loan entirely by the HCEO when they access your house in Rayleigh.
They will take control of the valuable items in your home in Rayleigh if you couldn't pay the debt in full.
They might also pay a visit at your workplace in Rayleigh in case you are self-employed.
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.
Items the HCEOs can or cannot seize are just the same as other kinds of enforcement agents in Essex.
It means that the debtors may be allowed to keep the goods by the HCEO's in Rayleigh and pay their debts in instalments.
They can always come back to remove and sell those goods in Rayleigh anytime the debtors default.
It's commonly known as the controlled goods agreement.
At times HCEO's will take goods directly in Rayleigh, particularly if they can find a big item like a car which they can sell to clear off the debt instantly, or if they think you might hide or sell the controlled goods before you paid off your debt, and they can also lock your vehicle to prevent you from driving it.
Is It Possible For A High Court Enforcement Officer To Break Into My House In Essex's Rayleigh?
HCEO's will make an effort to enter your property in Rayleigh to check for items but they cannot enter with force during their first visit.
They have no right to climb through the skylight or window, prevent you from closing the door against them, or push you away in the bid to come in in Wickford, Canvey Island, or Benfleet.
They can enter if they have visited your property in Rayleigh before and you refuse to pay them, to seize goods listed in the controlled good agreement.
At Rayleigh commercial premises, different rules apply.
If you are self employed in Rayleigh, the HCEO has the right to forcefully enter your property if you try to stop them.
In Case A Hceo Gets In Touch With Me In Rayleigh In Essex, What Should I Do?
If it is affordable for you to pay the debt in full before the first visit of HCEO to your property in Rayleigh, you should do this and this will save you from extra costs.
You can make an offer to pay in instalments to the HCEO if you cannot pay in full.
You can send to the High Court Enforcement Officer in Rayleigh and straight to the creditor an offer of the payment.
Include with it a copy of your expenditure.
You should start paying at the cost that you bid, although the HCEO in Benfleet, Wickford, or Canvey Island did not respond.
You may need to consider increasing the payment offer if they fail to do so, especially if the HCEO has inspected in Rayleigh and taken control of your products.
What Are The Fees Charged By The High Court Enforcement Officers (hceos) In Essex's Rayleigh?
HCEOs have a higher scale of fees but all enforcement agents in Rayleigh add charges to your initial debt.
The fees charged are set in law in Essex.
For instance, the HCEO in Rayleigh 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 Rayleigh then the £75 is added.
£190 +7.5% of the liability balance above £1,000 added during the HCEO's first visit in Rayleigh.
If you don't make an offer of payment or you breach the payment agreement, another £495 is added.
If the HCEO returns in Rayleigh to take your goods, £525 +7.5% of the debt value will be added for debts over £1,000.
Auction and other storage costs are added if your goods are removed and sold in Canvey Island, Wickford, or Benfleet.
How Can High Court Enforcement Officers (hceos) In Essex's Rayleigh Be Stopped?
You can apply to the Rayleigh 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'.
This is more difficult than preventing the County Court enforcement agents that would be used to collect a CCJ, and the court won't agree to the stay of execution in Rayleigh.