Do you owe money to Andrew Wilson Enforcement?
If you have debts of over £5000, you may be able to write off your debt with an IVA
Absolutely amazing, hassle free, my rep was brilliant and i was treated impeccably, 5 stars across the board


Very helpful


Very professional and helpful explains everything


Very friendly and helpful


very friendly polite people explain everything clearly to you recommended this company


Who are Andrew Wilson Enforcement?

Andrew Wilson Co is a high court enforcement company with offices in Salford, London and Bristol. They collect debts that have been registered as Judgements, otherwise knowns as CCJ’s.

Who does Andrew Wilson Enforcement collect debts for?

Andrew Wilson Co mostly collects debts for CCJ’s. They make a living by collecting debts for their clients who are unable or unwilling to collect themselves. The size of the debt determines whether or not they take on a case, as it is worth investing money in larger cases where people cannot pay them back. Andrew Wilson lists some of their main clients on their website:

  • Law firms
  • Businesses
  • Lenders
  • Local Authorities
  • Landlords
  • Property Agents
  • Debt Collection Agencies
  • Individuals

Are Andrew Wilson Co allowed to come to my house?

According to UK law, Andrew Wilson can legally come to your house only if you owe them money.

So without any additional information or proof, such as debts owed and overdue payments, debt collectors like Andrew Wilson are not allowed to come and go at will in an individual’s house.

However, if a high court enforcement officer such as Andrew Wilson Co is coming to your house to collect overdue payments, they have the legal right to come inside.

If Andrew Wilson does not have such paperwork to prove that they are there on court business, you have the right to refuse entry and tell them to contact you in writing.

Additionally, if Andrew Wilson Co is coming to your house at an unusual hour, then this might be a case of harassment. Under the Protection from Harassment Act 1997, it is illegal for any person or their agents to harass another person, including debt collectors.

If it can be proven that the actions of Andrew Wilson Co are causing you undue stress, then they can be taken to court by the police.

If a debt collector has come to your house more than once when you have asked them not to, then you can contact your local Citizens Advice Bureau or Trading Standards office for further advice.

What rights do I have against Andrew Wilson Enforcement?

High Court Enforcement Officers are not entitled to use restraints such as force, violence, or physical interference (though they could break into your property in certain circumstances). High Court Enforcement Officers, on the other hand, can make arrests for offences committed in their presence and at a later date, even if the offence took place outside of their presence.

In short, any officer who enters your home without permission is committing an offence punishable by up to 6 months imprisonment!

You have no obligation to acknowledge enforcement officers when you cross paths with them. 
  • If an enforcement officer states that they are there to seize property or arrest somebody, it is a legal requirement to show you written proof of this – demand to see it!
  • You have every right to read it yourself. If the officer does not produce written proof, you have the right to ignore them.

If I can’t pay my debts, will Andrew Wilson Co take me to court?

If you owe money, Andrew Wilson can ask for repayment, and if repaid within a certain time limit, they will take no further action.

However, if you default on payments or have one or more missed repayments, or you do not accept an agreed plan for repayment at reasonable intervals (the latter is known as ‘default’). There are steps Andrew Wilson may take to enforce its security interest against your property to pursue its debt claim.

For instance, if your outstanding loan is secured, e.g., by a mortgage over your property, the lender who has given you credit in connection with that mortgage can apply to the court for “possession”, under which it seeks either for itself or another to occupy and use any property in which the lender has an interest.

If that lender cannot obtain possession from you, it may then apply to the court for an order appointing a receiver, who would manage the property and bring in rent on behalf of the bank until the debt was paid off or settled.

This process is known as “take into possession”. It can be lengthy, expensive and not always successful.

Even so, the lender can also appoint a receiver over certain other secured assets such as your car or any other items of value that the lender has an interest in.

If you have unsecured debts, e.g., goods bought on credit or money borrowed from friends, there are less formal procedures that Andrew Wilson can pursue.

Can Andrew Wilson take my car?

Debt collectors can take an individual’s car in the UK, though they have to follow certain steps.
If a person falls behind on their repayments and has not responded to the correspondence from the lender requesting repayment of their loan or credit card balance, they could risk having their vehicle removed by court order.
It is entirely up to a lender in many countries whether or not it takes repossession proceedings against you concerning high-value assets such as vehicles. However, if you live in the United Kingdom (or another country where one can petition a creditor through the courts), it may be possible for your creditor/lender (or collection agency acting on behalf of that firm) to get a court order instructing bailiffs to come and remove your vehicle. The most common scenario for this is if you are behind on mortgage payments; however, it can extend to all forms of debt. If a creditor has taken you to court, they will have asserted that unless granted the requested remedy, your default concerning the repayment of debts owed will continue indefinitely (and, in many cases, can lead to the further accumulation of debt).
After presenting their case to a judge and winning their remedy (the removal/sale of your car), a bailiff will pay you a visit at home or work within 24-48 hours.

What is an IVA, and is it better than bankruptcy?

In England and Wales, an individual voluntary arrangement (IVA) is one of the procedures available for financial difficulties. An IVA allows for the payment of all or part of what they owe to each creditor over a 5-year term. Once the agreement has been signed with creditors, then enforcement action by debt collectors ceases while any interest on the debts stops building up. As with bankruptcy, this process might affect your eligibility for credit and employment prospects, but unlike bankruptcy, you can keep as much property as you wish before entering into an IVA agreement since it doesn’t involve losing your assets to repay creditors. In the UK, an IVA is a viable alternative to bankruptcy that requires the individual or business to enter into an agreement with creditors for a five-year period when they cannot pay all their debts. However, unlike bankruptcy which cannot be reversed and will have serious consequences for your future credit potential and ability to obtain employment, by entering into an IVA, you can retain your assets, such as your home, and start to rebuild a secure financial future for yourself and your family. Just like bankruptcy, there are strict conditions attached to an IVA agreement with creditors that the debtor’s solicitor has negotiated before both parties agree to release all enforcement action against you. One of the main advantages of entering into an IVA is that your creditors can agree to accept as little as 10% of the debts they are owed, meaning you will get them off your back quickly and with less impact on your finances and lifestyle.

How do I contact Andrew Wilson?

They are registered in England, and their registered office is 26 Missouri Avenue, Salford, Manchester, M50 2NP.

If you are worried about Andrew Wilson Enforcement, you should contact us immediately by calling the number on top of this page, or by clicking “Get Started for Free”.

Thomas James

Senior Debt Specialist at IVA Advice

I am a Debt Specialist with over 10 years of experience working with FCA Regulated Finance Companies in the insurance, credit card, loan and debt industry. I am very familiar with The Civil Enforcement Association and the High Court Enforcement Officers Association and I have written extensively on debt matters.

Latest posts by Thomas James see all


Get debt help with Andrew Wilson Enforcement now!