Ultimate Guide to JBW Debt Collectors

If you are worried about a letter, phone call or knock on the door from JBW Bailiffs, this guide has all the advice you need.

Learn more about this company and discover an easy and effective way to stop the bailiffs from taking action against you – it’s all here!

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Table of Content

1 Who are JBW Bailiffs?
2 Can a debt collector come to your house without notice?
3 Paying debts: debt advice
- 3.1 What if I can’t afford to pay a company like JBW Bailiffs?
- 3.2 County court cases: can pay, but won’t pay?
4 Debt Collection Services: what to do if JBW Enforcement contacts you
5 Sound advice: Get up to 80% of your debts written off
6 The value of an IVA
7 List of Debt Collection Agencies UK

Who are JBW Bailiffs?

JBW Bailiffs are a debt recovery company who work for local authorities throughout England and Wales. They are an enforcement and debt collection agency.

First established in 1984, the company is a leader in revenue recovery and has aired on BBC TV’s ‘The Bailiffs’ programme.

What do they do?

JBW specialize in collecting unpaid council tax, parking fines and parking penalty charge notices. They also work with private companies and collect for energy providers such as Npower, O2 and EE.

Is JBW Enforcement a fully legitimate debt company?

The company has been legally approved by the Financial Conduct Authority to provide revenue collection. Their company number is 4118149.

JBW Group: council tax arrears collectors

Local councils have the right to send bailiffs to the home of anyone who does not settle a council tax bill. Council tax is a priority payment and should be settled before all non-priority payments. JBW bailiffs collect money owed to the council which has gone into serious arrears.

What legal powers do JBW Bailiffs have over you?

This is a company that specializes in debt recovery, they are also licenced to take bailiff action. This could result in luxury items being seized from the home along with personal artefacts such as jewellery and antiques.

As revenue agents, they have limited power. They can contact you via letters, email, text or phone to seek full payment or to discuss an acceptable payment plan.

Can a debt collector come to your house without notice?

JBW is legally permitted to visit you at home to discuss matters pertaining to an amount that is owed to a creditor.

What JBW debt collectors can and can’t do

As with all debt collectors, JBW is not allowed to attend your place of work. The company must also act with due respect and should seek to obtain payment in a non-threatening manner.

When JBW operate as debt collectors, they do not have the right to enter you home or to take any belongings. They should also leave your doorstep when requested.

If enforcement action is taken against you and you open the door to someone from the JBW group, be sure to check the identity of the person in front of you. This must be a licenced bailiff from the team at JBW. Before his/she leaves, you should ask for a detailed breakdown of the amount you have been charged.

JBW Bailiffs

As enforcement agents, JBW bailiffs are people who possess the same legal rights as any other bailiff. They cannot force themselves into your home but they can peacefully enter your property through an open window or door to form an inventory of items that can be taken from your home to settle an outstanding amount.

As a general rule, the team at JBW will send out a letter to inform you of a second visit. At this stage, JBW bailiffs can force their way into your home to remove goods recorded during their last visit.

They have the legal right to enter every room of the house. A bailiff is not permitted to seize vehicles or equipment used for business or employment purposes unless acting on behalf of the council for council tax arrears.

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How do I contact JBW Group?

JBW have a few main modes of contact for you to choose from. These are;

Send a letter to:

JBW Group Limited

PO Box 58,

Darlington,

DL1 9AE

Tel: 0844 576 3620

Registered office:

JBW Group

Floor 9 Peninsular House

30-36 Monument Street

London

England

EC3R 8LJ

Email: [email protected]

Web address: www.jbwgroup.co.uk

Opening hours for JBW:

Monday – Friday: 8:00 am – 8:00 pm

Saturday: 9:00 am – 1:00 pm

Sunday: 10:00 am – 1:00 pm

How do revenue services operate as debt agents?

Debt agents are used by creditors and lenders to recoup losses from missed payments which are at least sixty days in arrears. The more money the agency can retrieve, the bigger the cut.

For example, an agency that garners 25% – 50% of a debt receives a good share. The remainder goes to the creditor.

Debt buyers

As a debt buyer, debts are purchased from creditors who have given up ‘the chase’ for repayment. Buyers look for debts that are still fairly new and have not been passed from one debt collector to another.

They purchase the debt at a very low rate. In some instances at just 4p for every £1 of money owed. This means that a £100 debt will cost just £40 to purchase. Every penny collected after £40 is direct profit as the money does not have to be shared with the original lender.

A larger debt offers a greater incentive for the debt agency to recoup a good sum.

Why has a third party agency contacted me about council tax arrears?

When council tax payments are in arrears, the council has the legal right to apply to a magistrates court for a liability order. This gives them the authority to hire a third-party such as JBW bailiffs to act on their behalf.

Paying debts: debt advice

What if I can’t afford to pay a company like JBW Bailiffs?

If the amount outstanding is higher than you can afford, every step should be taken to seek legal advice from a team of experts such as the Citizens Advice Bureau. They could set up a payment plan on your behalf. Having said that, payment direct to JBW is not the only solution.

Before signing an agreement with the JBW Group, take a look at the other options available. Scroll to the end of this guide to find out more.

County court cases: can pay, but won’t pay?

If you refuse to pay credit card or loan companies, the sum you owe will rise dramatically. You will be hit with late payment fees and increased interest rates, making the original sum soar to figures that are sky-high. This damaging information will be recorded on your credit file for all future lenders to see.

The entire debt will then be passed to a collection agent who will arrange monthly payments or collect the sum in full. If monthly fees are still not met, the debt agency can seek a County Court Judgement and force a debt repayment plan. In essence, the money will be automatically deducted from your wages.

Debt Collection Services: what to do if JBW Enforcement contacts you

Seek free debt advice. Do not be tempted to put these letters into the bin, drawer or the back of the mind, they will not go away and the situation will only get worse. Write to them and acknowledge their correspondence, phone call, text or email. Tell them that you will be in touch with a settlement plan within twenty-eight days.

Enforcement action: seek bailiff help

In many instances, enforced bailiff action is avoidable. Obtain advice from non-profit organisations such as the Citizen’s Advice Bureau who, in some instances could make an application to court to stop or suspend this course of action.

If this is unavoidable a debt advice agency could negotiate with JBW enforcement agents to seek a resolution on your behalf.

Seek guidance from people with legal knowledge. They can help you prepare an income and expenditure plan. Send this document to your creditors; it shows the amount you can afford to pay them. If you are struggling to make ends meet, it is never too late to seek advice. If you have been contacted by JBW enforcement, you should send a copy of your income and expenditure form to their registered office (as listed above).

Alternatively, you could visit the National Debt website; use the budgeting tool available (it’s free of charge). It helps you devise a statement of your monthly incomings and outgoings.

Check if you actually owe council tax debts: seek advice

If you miss a payment, the council will send you a reminder. If you are not sure if your payments are up to date, seek advice from someone in the council tax office; they will be able to help with any financial worries.

Summons: how does a court collect council tax arrears?

If a council tax reminder is not addressed, a summons will be issued. This relinquishes all rights to pay the outstanding balance in instalments. The council will then request the full amount along with a subsequent charge. Your case will then be referred to the Magistrates Court where a liability order will be requested.

A liability order is a demand from the council requesting a full income and employment form along with wage slips or proof of any benefits received such as Universal Credit and Income Support. If you fail to pay what you can afford when all priority bills and general living costs have been taken into account your wages could be affected. It is possible to collect council tax payments from your employer; this sum will be docked from your salary.

Enforcement agents (bailiff)

If you fail to provide an income and expenditure form you can expect a letter from a bailiff enforcement agent. A liability order means that all court fines will be passed onto you. This will add a further £75 to an already increasing figure. The bailiff will expect a swift reply to any letter or phone call.

If you fail to liaise with a bailiff enforcement agent, you can expect a knock on the door; this will incur a charge of £235. The aim of a visit is to discuss items in the home that can be seized to settle an outstanding payment. If you refuse to offer a form of settlement, the bailiff could return to your doorstep a second time to seize the goods outlined in his last visit.

Prison

If you make it difficult or completely impossible for a JBW bailiff or any other bailiffs to remove items from your home, you will be called for a committal hearing at a Magistrates Court and may be sentenced to imprisonment for up to three months. A field that most of us will want to avoid at all costs.

Sound advice: Get up to 80% of your debts written off

You are not at the mercy of bailiffs. There is a fast and effective solution to your money worries – and you could write off up to 80% of your debt!

In 1986 it was written into legislation that a person owing money could come to an agreement with his/her creditors to pay a said amount in full or in part over a set period.

An IVA is a repayment plan that requires one single affordable payment per month. A small percentage of the debt is paid back over 60 months, after this period the remainder of the debt is legally written off.

The value of an IVA

An IVA is a mutually acceptable form of payment for both you and creditor. For the creditor, there is the reassurance of recouping some losses; a much better alternative to bankruptcy where there is no payout at all. For you, an IVA is an affordable way to keep multiple debtors happy at a manageable price.

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People from all backgrounds stumble upon hard times; this is nothing to be ashamed of. Talk with one of the many IVA experts and stop ‘robbing Peter to pay Paul’. An IVA provides real value for money.

Pass it on…if you know anyone who is struggling financially, tell them about the benefits of an IVA, it could change their life!

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.