What Are The Duties Of High Court Enforcement Officers In Greater Manchester's Wigan?
If you are resident of England or Wales and your creditor has a CCJ against you in Wigan, then they can use a HCEO to recover the debt if they are want to.
High Court Enforcement Officer is a kind of bailiff or enforcement agent and they will visit your Wigan premises and if you don't agree on the certain conditions with them to pay the debt, they are authorised to take away your goods and sell them at auction in Greater Manchester.
The services of Wigan HCEOs can be used by the creditor if:
You have not paid according to the judgment by the court although you in Wigan have a CCJ
When you owe up to £600
The Consumer Credit Act does not control your liability in Wigan, Skelmersdale, or Ashton-in-Makerfield
This implies debts such as overdrafts, credit cards, personal loans or payday loans can not be enforced by HCEOs in Wigan.
However, Greater Manchester HCEO's may make an agreement with non-regulated debts, which include service debts, business arrears, tribunal awards or outdated rent debts.
If you had a High Court Enforcement Officer visit you, or receive a letter to say they will visit your Wigan home, please call us immediately for further advice.
It is known that our Wigan HCEO's act quickly so it can be hard for you to deal with this.
What Is The Need Of Using High Court Enforcement Officers By The Creditor In Greater Manchester's Wigan?
The creditor can avail several advantages by using the HCEO rather than some other County Court enforcement agents in Wigan.
The creditor in Wigan, Ashton-in-Makerfield, or Skelmersdale may pay an additional 8% interest the moment the debt is transferred to HCEOs.
As HCEOs fees are more costly in Wigan, this may put individuals under more pressure to make the payment
Stopping HCEOs is a very difficult process in Wigan.
The HCEOs are hired by private firms, and their fees are based on what they are able to collect in Greater Manchester.
Many creditors in Wigan think HCEOs are quicker and more efficient because of this.
When Would The High Court Enforcement Officer (hceo) In Greater Manchester's Wigan Be Involved?
Next, the creditor in Wigan applies for a writ of control that advises the HCEO to verify the property and receive payments for your products.
The debtors would be notified by the HCEO via a letter to tell you about their visit to Wigan.
An HCEO will inform you before their first visit in Wigan, Skelmersdale, or Ashton-in-Makerfield by at least seven days.
You will be asked to pay your debts in full if the HCEO officer visits your home in Wigan.
If you can't pay your debt in Wigan, they will seize some of your belongings until the debt is paid.
The HCEO may also call at the debtors' business premises in Wigan if they 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.
The goods they can or can't take possession are the same as other types of enforcement agents in Greater Manchester.
The HCEO in Wigan will be allowing you to have possession of the goods while you make the instalment payments.
In case you fail any instalment, they will be back and seize the items for auctioning in Wigan.
This is referred to as a "Controlled Goods Agreement".
If in case, the officer from the HCEO visits your place and find a good item like car, in Wigan 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.
Are High Court Enforcement Officers Allowed To Break Into The Home In Wigan In Greater Manchester?
HCEO's will make an effort to enter your property in Wigan to check for items but they cannot enter with force during their first visit.
This means they can't prevent you from closing the door and they can't even push past you and they aren't allowed to climb through a window or skylight in Skelmersdale, Wigan, or Ashton-in-Makerfield.
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 Wigan house if you don't pay them.
These rules do not apply on commercial properties in Wigan.
If you run your own business, the HCEO can use force to break into the Wigan premises if you don't allow them to come in.
What Can You Do If A High Court Enforcement Officer (hceo) Contacts You In Wigan In Greater Manchester?
It is advisable to pay off your debts before the HCEO comes knocking on your door in Wigan and that is of course, if you can afford to do so.
You may consider making an offer to pay off the debts in instalments which is feasible if you cannot pay all at once.
You can send to the High Court Enforcement Officer in Wigan and straight to the creditor an offer of the payment.
Include with it a copy of your expenditure.
Moreover, even if the High Court Enforcement Officer in Ashton-in-Makerfield, Skelmersdale, or Wigan hasn't replied, you may begin to pay the debt at the rate you have offered.
In case they deny your offer of payment, you might need to rise it, especially in case the HCEO has gone around and taken control of your possessions in Wigan.
What Are The Charges Of The High Court Enforcement Officer In Wigan In Greater Manchester?
HCEOs have a higher scale of fees but all enforcement agents in Wigan add charges to your initial debt.
These fees are fixed by law in Greater Manchester.
For example, if you refuse to make payment and you have a debt of £1,000, and the Wigan HCEO takes your goods, the total fees added will be at least another £1,285.
When letter of 'Notice of enforcement' is sent in Wigan, £75 is added to the debt.
If the debt is over £1,000; 7.5% of the debt, and another £190 is added after the HCEO visits for the first time in Wigan.
In case you do not have any plan to settle your debt, or you fail to pay as agreed, then £495 will be included.
If the HCEO returns to seize goods in Wigan, they will add £525 + 7.5% of the value of the debt for debts over £1,000.
All the other charges including the auction and storage costs are added if the goods will be sold in Wigan, Skelmersdale, or Ashton-in-Makerfield.
Is There Any Way To Stop The High Court Enforcement Officers In Wigan, Greater Manchester?
If you don't agree to a payment plan, you can stop the HCEO by writing a letter and demanding for the stay of execution through the court in Wigan.
The County Court Enforcement Agents, who would usually obtain the CCJ, would be more difficult to stop and the Court will not always agree to the stay of execution in Wigan.