Do you owe money to DCBL?
If you have debts of over £5000, you may be able to write off your debt with an IVA
Who are DCBL?
DCBL are one of the largest enforcement companies in the UK, and they have been trading since 2001. DCBL pride themselves on having a 98% client retention rate based on the client experience they deliver for the businesses they offer services to. DCBL’s services include the following:
- debt recovery
- high court enforcement
- security services.
DCBL offer their services throughout the UK, through five regional offices. They use well-developed trace and financial database technology to keep track of everyone who owes them or their clients money, resulting in collections of £35 million-plus annually.
Their website contains numerous forms that companies can use to instruct them to collect a debt quickly.
Their name is short for Direct Collection Bailiffs Limited. DCBL bailiffs have become quite well known after their high court enforcement activities featured on a Channel 5 TV programme called ‘Can’t Pay? We’ll Take It Away’.
Important: Do not let DCBL into your home, no matter what they tell you. Contact us immediately, and we will try to deal with them on your behalf.
Are DCBL legit?
Yes, DCBL debt collectors are a Private Limited Company (Ltd) registered with Companies House through company number 07408649. They have a registered office in Cheshire.
The company is authorised and regulated by the Financial Conduct Authority.
What does DCBL mean?
DCBL is short for Direct Collection Bailiffs Ltd.
Who owns Direct Collection Bailiffs Ltd?
According to Companies House, the current Directors of this debt collection agency are:
- Darren Connor
- Stephen Pinner
- Gary Robinson ( the current CEO)
- Simon Williamson
Why are DCBL contacting me?
If you have received a letter, phone calls, or text messages from DCBL, or even a visit from DCBL bailiffs, they are likely to be offering debt collection services to a company you owe money to. Perhaps you have broken the terms and conditions of a credit agreement or incurred a fine when parking your car.
You will likely receive a DCBL letter which explains which organisation they are acting for. Please check the information on the message carefully to make sure the debt does belong to you. The debt collection agency may sometimes be chasing someone who previously lived at your address or perhaps a family relation. Don’t let the collections process proceed to the next stage based on incorrect information.
Who do DCBL collect for?
They collect for a wide range of consumer and commercial debts including:
- Parking fines
- Unpaid rent from tenants
- Unpaid loan accounts
- Credit card debt
- Unpaid utilities
Do bailiffs send letters first?
The standard practice is for DCBL bailiffs first to send you a letter, often called a ‘notice of enforcement’. These individuals are also known as high court enforcement officers. This letter typically outlines your debt balance, which creditors it relates to, and gives you seven days to pay the balance in full before DCBL bailiffs visit you.
Typically a bailiff will eventually visit your property if you fail to come to an agreement with the debt collection agency for how you will repay your debt balance, or if you have not responded to their communications. Then the debt collectors may take your case to court. One exception to this procedure is for debt relating to HMRC, such as unpaid taxes. In those cases, bailiffs can visit your property without the need for court action.
If you’re not sure how to deal with DCBL, then you can contact an advisor within our team who can connect you with free debt advice. Call us on freephone 0800 233 5753 or click on ‘Get Started For Free’. The sooner you get in touch, the sooner we can offer you our support.
Can DCBL bailiffs force entry into my property?
For the majority of debts, DCBL bailiffs are not allowed to force entry into your home. They can only enter through your door with your permission during certain times of day, and only if there is an adult present. We recommend that you do not let bailiffs or a debt collector into your home; otherwise, they may start taking control of goods that amount to the debt repayments they are seeking from you.
Bailiffs who are collecting criminal fines or HMRC-related debt can force entry to a property under particular circumstances.
How many visits can bailiffs make to my property?
There is no set limit to the number of visits a bailiff can make to your property. They are likely to add additional fees to your total debt account every time they visit, meaning the enforcement officers will be looking for more assets to take away, or items they can sell for a higher price.
What property can a bailiff take?
If a bailiff has entered your property with your permission, or they have the legal right to force entry, then they can seize goods to sell to pay off your debt.
The ‘Taking Control of Goods Regulations’ specify what items they can and can’t take.
Typically an enforcement officer can not remove essential items including:
- Items required to care for children
- Vehicles displayed a disabled person’s badge
- Work equipment to a certain value
What rights do I have if DCBL are chasing me?
Being chased by debt collectors and bailiffs can be a very stressful experience. As a UK citizen, you have several rights, including:
- You should not feel harassed, threatened, verbally or physically abused
- The collector should not discuss the details of your debt with friends, family or neighbours
- The debt agency can not lie to you
- They can not forge documents to appear to be official court documents
- Bailiffs can only visit between 6 am and 9 pm, and only if an adult is present
- In most cases, bailiffs can not force entry to your property
What’s the best way to deal with DCBL?
Dealing with debt collectors and bailiffs on your own can be a frightening experience. In fact, things can often feel out of control and like there is nothing you can do.
However, there is an end in sight. If you find the right debt advice, your future will soon look a lot brighter.
How we can help you
If you are facing debt problems and a debt agency is chasing you for payments, we may be able to help you.
We work with a wide range of debt companies and solutions. We’ll carefully listen to your situation and help you to understand your rights. We’ve supported hundreds of clients to free themselves from stressful collections processes by finding a debt repayment approach that works for their circumstances.
Call us today on 0800 233 5753, and we’ll walk you through the steps to improving your debt situation.
DCBL Frequently Asked Questions
How can I write off my debts?
If you have unsecured debts that total £5,000 or more, then you may qualify for an Individual Voluntary Arrangement (IVA).
Where are DCBL’s offices?
DCBL debt recovery operate from five regional offices, spread across the UK map, with contact information as follows:
- LONDON: Solar House, 915 High Road, North Finchley, London, N12 8QJ
- MIDLANDS: Colmore Plaza, 20 Colmore Circus, Queensway, Birmingham, B4 6AT
- WALES: Sophia House, 28 Cathedral Road, Cardiff, CF11 9LJ, Wales
- THE NORTH WEST: Direct House, Greenwood Drive, Manor Park, Runcorn, Cheshire, WA7 1UG
- SCOTLAND: Barn Cliuth Business Centre, Town Head Street, Hamilton, ML3 7DP
How can I contact DCBL?
The primary contact number for DCBL’s debt collecting services is 0203 434 0423. Their website is https://dcbltd.com/.
Each DCBL regional office also has specific contact details for calls as follows:
- London 0203 613 0151
- Midlands 0121 581 0076
- Wales 0292 235 0137
- North West 01606 608 267
- Scotland 0141 326 0016
DCBL do not list an email address for debtors to contact them through on their website.
They provide a contact form and the email address sales@DFMSltd.com for companies interested in their services, such as debt collection and security.
How can I pay DCBL bailiffs?
DCBL have an online payment portal on their website. To login, you need:
- Your customer reference number
- Your postcode
The portal allows the debtor to make payments by credit card and debit card. You can also call the company to discuss a repayment plan or a settlement offer.
What if I have complaints about DCBL?
If you have a complaint about a DCBL you can contact them in the following ways:
- By phone: 0203 298 0201
- By email: firstname.lastname@example.org
- By post: Direct Collection Bailiffs Ltd, Direct House, Greenwood Drive, Manor Park, Runcorn, Cheshire, WA7 1UG, England
What if I’m unhappy with DCBL’s response to my complaint?
As the Financial Conduct Authority regulates the company, you can refer your complaint to the Financial Ombudsman Service (FOS) where it relates to a product that comes under the Consumer Credit Act.
For other complaints, you can contact the Credit Services Association at email@example.com.
Where can I go for free debt information and advice?
Numerous organisations assist people who are facing debt problems. These organisations have extensive knowledge about debt regulations, and the guidelines debt collection agencies must follow.
Some of the organisations who can help guide you and provide free information and tools are:
- National Debtline
- Citizens Advice Bureau
- Debt Advice Foundation
At IVA Advice, we are also on your side, and we make it our job to support those who find themselves in trouble with debt. We treat each person who approaches us for support as an individual. There are also no costs for calling us. You can reach us through our freephone line 0800 233 5753 or by clicking ‘Get Started For Free’.
Please note, you are not alone. Millions of people find themselves in trouble with debt on an annual basis, and there is always something that you can do to improve your situation.
What reputation do DCBL have?
At the time of writing, the company have a rating of 4.7 out of five on Trustpilot, which is one of the highest we have seen for a debt collection service. However, on closer inspection, the majority of reviews come from clients that they offer services to. For example, there are comments from clients who’ve been happy with traveller removal services and various high court enforcement activities.
Working with them as a debtor who does not have the resources to repay their debt, will likely feel quite different.
Can DCBL take money straight out of my wages?
It’s possible for a creditor to seek a court order, known as an ‘attachment of earnings order’, which allows them to take money directly from your salary each month.
Do DCBL collect for HMRC?
At the time of writing, they are not one of the debt collection firms that HMRC list on their website.
What is ‘reasonable force’?
In certain circumstances, bailiffs are legally able to enter your property using reasonable force. This term generally means one of the following scenarios in England and Wales:
- They can enter through an unlocked door or window
- They can use a locksmith.
What services do DCBL offer?
The company offers a range of services for clients across the UK including:
- Executing High Court Writs and County Court Judgments (CCJs) that have a value of over £600
- Removing tenants and squatters from properties, known as residential possession services
- Enforcing Employment Tribunal awards
- Removing travellers from private land
- Collecting overdue rent on commercial properties
What is a County Court Judgment (CCJ)?
A creditor can apply for a CCJ through the courts, which enables them to take further action to recover your debt. Unless you pay the debt within 30 days of the court granting the CCJ, then this will stay on your credit report for six years and limit your ability to secure further lending, such as a mortgage.