The Ultimate Guide to High Court Enforcement Group

Have you recently been contacted by High Court Enforcement Ltd regarding the outstanding money you owe?

Are you finding it difficult to manage your finances as debts go unpaid?

This situation can be extremely stressful, but you are in the right place.

Do Not Speak to High Court Enforcement Group Until You Know About This

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Taking action and dealing with enforcement officers and your debt situation can be daunting; however, you can be assured that this guide will give you some knowledge on how to handle this.

There are plenty of ways to deal with an enforcement agent, and choosing the right one for you is important. Continue reading to learn the best solution today.

Who is High Court Enforcement Group Ltd?

High Court Enforcement Group is a Colwyn Bay-based private enforcement group that provides various enforcement services around England and Wales.

The company was formed in 2002 and has 230 employees that work with local authorities, eviction teams, and government departments.

This particular company is accredited by the chartered institute of legal executives and has won many awards for its impressive work.

Are they a legitimate company?

HCE Group is a legitimate enforcement agency.

They are registered in both England and Wales to the company number 04527630.

Understanding that the agency is real, you should listen to everything they say and do very carefully. They are permitted to contact you.

Why are High Court Enforcement group contacting me?

HCE Group will likely contact you if you have fallen back on specific payments and currently have an outstanding debt.

You might be aware that you have a debt needing to be paid off. However, you do not recognize High Court Enforcement Group Ltd.

This specific company will be contacting you on behalf of another company that you will recognise, such as:

  • Broadband and mobile companies- O2, EE, Virgin Media.
  • Local council debt- council tax.
  • Gas and electricity companies- Npower.

The companies above will have been unsuccessful in attempting to retrieve the payment as you could have been unresponsive, or you might have refused to pay.

The original creditor will then reach out to an enforcement agency, such as HCE Group, to collect the debt they were not successful.

What specific debts do they collect?

The specific debts usually collected by this company are:

  • Parking fines
  • CCJs (Writs of control)
  • Council tax arrears
  • Court fines
  • Family court judgements
  • Payday loans
  • Individual and organisation debts that have not been paid.

Should I pay High Court Enforcement group limited?

If you can afford to pay the debt in full, you should pay this as promptly as possible to stop raising costs and bailiff visits.

Before paying anything, you should ensure that the debt stated is yours to pay.

To do this, you should get in touch with the company and request to see proof of debt; if this cannot be provided, then you will not have to pay anything at all.

I cannot afford to pay- what should I do?

It is extremely common to be struggling to pay off your debt. Therefore, it is important to know that there are ways out of the debt that you can follow.

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

The company 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 high court 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 HCE 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:

Can I stop High Court Enforcement Group from contacting me?

You must deal with your debt issue to get HCE Group to stop contacting you.

You should not ignore their attempts to contact you- you should stay open and honest about your current situation as this can help you drastically when they understand as they can help you.

The best way to stop contact is to get in touch and pay the debt off. This will allow the company to be satisfied without bothering you anymore.

If you ignore their contact, you should expect the fees to grow and the contact to get more frequent.

Want to know how to get in touch with High Court Enforcement Group? Keep reading our informative article.

Can they turn up at my home?

Bailiffs can turn up at your home, unfortunately.

They should provide you with at least seven days’ notice of an initial visit.

You can prohibit this from happening if you pay off your debt completely or, on the other hand, explain your financial situation to the creditor.

Do Not Let High Court Enforcement Into Your House Until You Know About This

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What should I do if they show up at my property?

If a bailiff shows up at your property, there is every chance you are uncertain about what you should do.

Understand that you do NOT have to let them inside your property.

They can force entry (via a locksmith) if you have not paid your magistrate’s court fines- however- they must have the paperwork to state they can enter your home.

Without the paperwork, this is counted as trespassing, and you can make a formal complaint.

What steps should I take in this situation?

When you are in a situation where the bailiffs are stating they can force entry, you should ask for proof of identification.

Here are some points that you should require:

  • Personal ID cards, badges, or certificates
  • Proof of the money that you owe, a breakdown of this is advised
  • A warrant/writ that states they can legally force entry
  • Proof that they work for the High Court Enforcement Group

You can ask them to leave if they can’t provide proof of their identification.

We would advise you to ask for the documentation of proof through the letterbox or window, as bailiffs are allowed to enter a property through an open door.

What goods can HCE Group take from me?

The officers at HCE Group are allowed to seize possessions from your property that equate to the estimated value of your debt.

So, which items can HCE take?

  • Vehicles- cars, bikes, vans
  • Jewellery
  • Cash
  • Televisions, gaming consoles, and other electrical goods
  • Joint owned items

What goods are HCE Group legally not allowed to take?

It is also important to be aware of the items that are NOT allowed, as you can make a formal complaint if they take one of these.

Here are the items the HCE Group is prevented from taking:

  • Cookers/fridge
  • Tables and chairs
  • Medical equipment
  • Bedding
  • Clothes
  • Tools needed for work

What happens to the goods HCE Group takes from me?

When you have failed to pay off your debt, expect a visit from the HCE Group, where your belongings are taken.

Before any items are seized, a controlled goods agreement must have been made.

When your belongings have been taken, the bailiffs will store your items in a storage unit until they take them to get sold or auctioned.

The money gained from the sold goods will help to pay off your debt and any bailiff fees that will have occurred from their services.

What rights do I have against HCE Group?

You might not believe it, but you have plenty of rights against the enforcement group.

These can protect you immensely; here is a list of certain rights that YOU have:

  • HCE is not allowed to threaten or abuse you
  • They cannot tell lies about the debt
  • They cannot contact you out of the hours of 9 am and 6 pm
  • They cannot tell any information about your debt to friends/family/anybody not involved
  • They cannot use technical jargon to confuse you
  • They cannot pretend to have powers they do not have
  • They cannot use fake documents to trick you into paying

If HCE does any of the above, you must take action and contact them immediately to place a formal complaint.

What rights does HCE Group have?

As well to your rights, HCE also can exercise the following:

  • They can send letters to your address.
  • They can call you.
  • They can visit your property.
  • They can register default to your credit file- negatively affecting your credit score massively.
  • They can add interest and charges for their services.
  • They can apply for a CCJ.
  • They can issue a statutory demand if your debt is over £5,000.

How do I contact HCE?

It is incredibly easy to get in touch with HCE Group, and it can benefit you massively by reaching out to them as soon as possible.

Here are some valuable contact details to use:

FAQ’s

Is there a certain amount of times a bailiff can visit?

Bailiffs are legally allowed to visit your property as often as they wish. The only limit is the specific hours they can visit.

Bailiffs are only allowed to visit between 9 am and 6 pm.

Can bailiffs remove my car if I need it for work?

If you need your car for work, you should still expect the bailiffs to remove your vehicle.

Our advice would be to hide your car or (with permission) place the car on another person’s property as the bailiffs are not legally allowed to enter here.

Can bailiffs break down my door?

Bailiffs are not allowed to break down your door with any force. However, they can access your property via a locksmith if needed.

Can a bailiff enter through my window?

Bailiffs are only allowed to enter your property through a door.

They can not enter via a window.

Summary

Being in debt and dealing with an enforcement agency like HCE Group can be a scary situation that nobody wants to experience.

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 debt before it becomes persistent.

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