The Ultimate Guide to Andrew James Enforcement Ltd

Have you been contacted by Andrew James Enforcement Limited stating that you owe money?

Are you confused and worried about what you can do as your next steps for a debt solution?

You are in the right place!

Do Not Speak to Andrew James Enforcement Ltd Until You Know About This

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Figuring out debt solutions can be a nightmare, but having an enforcement agency- such as Andrew James- demanding money, can be even scarier.

Continue reading this article to find out everything there is to know when handling Andrew James enforcement, along with everything they can and cannot do.

This guide will help you find the best solutions for your unsecured debts and gain some great free impartial debt advice.

Who is Andrew James Enforcement Ltd?

Andrew James enforcement is a Swansea-based certified bailiff service that enforces payments for many people’s debts owed around England and Wales.

This particular company is legally allowed to take action, collecting for:

  • Council tax
  • Parking penalty charge notices
  • Unpaid rent
  • Business rates

Andrew James has been operating since 2003, working on debt recovery.

Who does Andrew James work on behalf of?

There are five local authorities that Andrew James works on behalf of:

  • Breckland District Council
  • East Cambridgeshire District Council
  • East Suffolk District Council
  • Fenland District Council
  • West Suffolk Council

Why is Andrew James contacting me?

You might have received a letter, email, phone call, or in-person visit from a company known as ‘Andrew James Enforcement Ltd’, but you are unsure why this might be.

If the Andrew James enforcement agency has contacted you, there is a high likelihood that you have an unsecured debt with another company.

Andrew James is known to chase up unpaid debts for a variety of companies and reasons.

Here is a short list of reasons Andrew James might contact you:

  • Commercial rent recovery
  • Collect council tax
  • Collection of national non-domestic rates
  • Sundry debt collection
  • Investigations
  • Decriminalised parking enforcement
  • Benefit overpayments

Find out what will happen if you continue ignoring Andrew James.

Is Andrew James enforcement limited a legitimate company?

Andrew James is a legitimate company registered in England and authorised by Swansea Civil Justice Centre. Therefore, you should take anything they say to you very seriously.

They hold a certificate for the ability to enforce action to control debt recovery. This particular certificate was granted by a judge at the county court and showed the company as a certificated enforcement agent.

Should I pay Andrew James?

Once you have received the notice of enforcement about the debt you owe, you should attempt to pay instantly.

The longer you leave your payment, the more serious this debt chase can be.

You are legally required and responsible for paying the debt you owe, and an enforcement fee may be charged if you take too long or refuse to pay.

I can’t afford to pay- what can I do?

It is incredibly common for anyone in debt to be struggling to repay the debt owed.

Debt solutions can be difficult to find, and having Andrew James collect debt across the country can pressure you.

Andrew James will likely advise a payment plan to supply some form of help to pay back the amount you owe.

The payment plan will not be a lump sum payment but more of the idea of monthly payments that will make the repayment of your debt a lot smoother.

You should get in touch with the Andrew James enforcement group as soon as you receive your enforcement notice.

You should keep in mind that occasionally a payment plan, being a debt relief order, will be incorporated with a controlled goods agreement so that the Andrew James bailiffs can take away some assets if you fail to keep up with your payment plan.

There are other options you can take when unable to pay your bills:

What will happen if I ignore Andrew James?

If you ignore Andrew James’ enforcement repeatedly as they attempt to collect debts, you may find yourself in an unlucky position.

The Andrew James bailiffs will likely arrive at your front door demanding payments as they enforce debts with bailiff fees or seize some of your goods that may be of equal value to the debt.

If Andrew James is still unsatisfied with you, they can take you to a county court judgement.

What can Andrew James do?

If you are ignoring Andrew James or simply refusing to pay your council tax arrears, court fines, parking fines, etc., you can expect this company to take action.

As Andrew James is an enforcement agency, they may visit your home.

The Andrew James bailiffs will have to give you at least a week’s notice in the compliance stage, and when they do show up, you do not have to let them in.

The only way that Andrew James’ entry can be forced is if they have been inside previously, they will not be able to enter your homes:

  • Between 9 pm and 6 am
  • If anybody vulnerable, disabled, or under the age of 16
  • By forcing past you
  • Through anything other than a door

Andrew James Bailiffs can take away some of your personal belongings that are of the same or similar value to your debt (e.g., car).

If bailiff action is pursued, an enforcement fee of £235 will be charged to you.

What rights do Andrew James enforcement ltd have?

It is important to understand what rights Andrew James enforcement legally has, as they may go against their code of conduct, and you can take action.

This company is known to use intimidation to collect as much debt as possible in the shortest time. They will not be concerned for your welfare, unfortunately.

Here are some of the rights Andrew James enforcement limited has:

  • They can call you.
  • They can visit your home.
  • They can send letters to the address you have provided.
  • For larger debts, they can issue a statutory demand (£5000 and over).
  • They can apply to the court to have a default registered on your credit file- affecting your credit rating.
  • They are allowed to give additional charges, depending on your original agreement.

If Andrew James does not comply with their rules and regulations, you should take action and contact them to discuss matters.

Do Not Let Andrew James Enforcement Ltd Into Your House Until You Know About This

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What rights do I have against Andrew James enforcement ltd?

Not only does Andrew James have rights, but you do too!

Here are some points you should note when dealing with this enforcement action:

  • Andrew James is prohibited from speaking about your debt to any friends, neighbours, or family members (this is a private matter and will go against the UK data protection law)
  • They cannot use complicated jargon in a way to have power and confuse you
  • They can not tell lies about your debt or be threatening and abusive.
  • They cannot harass you, they are allowed to contact you as many times as they would like as long as this is not in a controlling, tormenting way.
  • The bailiffs are not allowed to visit elderly or vulnerable people.

Keep reading to find out what belongings Andrew James is allowed to take from your home. 

Can Andrew James bailiffs break into my home?

Rest assured, bailiff action will NOT involve your home being broken into.

They can legally pursue entering your home if your door is left unlocked (they can not enter via open windows).

They are only allowed to enter your home if they have done previously.

The chances of the bailiffs entering your home are very rare, and they can only enter if you have had a liability order issued against you.

Some debt advice to stop bailiffs from entering your home with any reasonable force would be to only engage with the bailiff company from a window upstairs- this will prevent their accessibility into your home.

What can Andrew James Agents take from me?

As you should understand, bailiffs can remove items from your property. However, there are limitations on what they can take.

The possessions that Andrew James bailiffs can take will be estimated to the current value of your debt.

Some items that are commonly taken are:

  • Cars
  • Bikes
  • Jewellery
  • Electrical goods

Some of the items that can not be taken under any circumstance are:

  • Bedding
  • Cookers/ fridge
  • Tables and chairs
  • Medical equipment (e.g., medicine)

Once the bailiffs have seized your goods, this will place you in a ‘Controlled Goods Agreement’. This is one of the debt solutions provided to give you time to pay back what you owe.

Your valuables will be kept in a storage unit, and fees will apply, depending on how many days it takes you to pay back the debt.

You should be aware that if you do not pay your debt in the ‘Controlled Goods Agreement’ stage, your valuable possessions will be sold at auction to clear your debt.

How do I contact Andrew James enforcement ltd?

It is easy to get in touch with Andrew James Enforcement Ltd. Here are some ways you can do so:

Getting in touch with the debt collector as quickly as possible is the greatest start toward a debt solution.

FAQ’s

Can I write off my debts with Andrew James enforcement ltd?

You can write off any outstanding debt, such as council tax, overdraft, and payday loans if they add up to over £6000.

Who does Andrew James collect for?

The most commonly collected debts are for:

  • Telephone bills
  • Water/ utility bills
  • Catalogue debts
  • Council tax arrears

Do they have a time limit for collecting a debt?

This company will reach out to you in an attempt to collect your debt within six years of owing.

A court order will be brought in before the six-year statute limitation occurs.

Summary

Being in debt can be a really scary situation, and having Andrew James chasing you will make you feel even worse.

Understanding all the rights you and this company has is incredibly important. Hopefully, this article has given you a wider insight into what you can do in this situation.

Make sure to contact a debt help agency to find a suitable debt solution that may help you work your way out of persistent debt.

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