Absolutely amazing, hassle free, my rep was brilliant and i was treated impeccably, 5 stars across the board
Very professional and helpful explains everything
Very friendly and helpful
very friendly polite people explain everything clearly to you recommended this company
How to deal with Excel Civil Enforcement Ltd
- Bailiffs can not push past you to enter your property.
- They can not enter your property between 9pm and 6am.
- They can only enter through a door.
An enforcement agent can visit your home when you do not pay your debts on time. They usually look to collect parking fines, court fines, council tax arrears, CCJ’s and family court judgements.
Bailiffs are sometimes known as:
- Civilian enforcement officers
- County court and family court bailiffs
- High court enforcement officers
- Certificated enforcement agents
Do you need help with Excel Civil Enforcement Ltd?
Are they sending letters to your home address or your place of business? Does Excel Civil Enforcement Ltd send you text messages or bombard your home phone and your mobile phone with calls at all different times of the day? You may even notice that Excel Civil Enforcement Ltd call you from a number of different phone numbers, some may even display local phone numbers to where you live.
Will Excel Enforcement come to my house to collect debts?
Excel Civil Enforcement Ltd may have appointed field agents to make home visits to discuss the alleged debt. These visits can be very distressing not only for the person who is the named debtor but for the entire family. These methods can have a detrimental effect on your mental and physical health and to the people around you.
These are all very common tactics which Excel Civil Enforcement Ltd use to get in touch with the people who owe them money. Without appointing a debt company to represent you, this may continue.
As a long-established independent debt website, we have vast experience of dealing with creditors such as Excel Civil Enforcement Ltd. We understand the tactics that they use, and we can work with you to get them to stop.
How will Excel Civil Enforcement Ltd chase me if I don’t pay?
Creditors such as Excel Civil Enforcement Ltd use computer systems (often known as customer relationship management systems) to keep on top of their debtors. They often follow a debt process that will make them the most profit. These methods are often seen as aggressive and you may have seen documentaries and news articles criticising the heavy-handed nature of debt collectors and bailiffs. Although the Government have come some way to reduce their powers, the main tactic continues: intimidation.
The first point of contact which Excel Civil Enforcement Ltd may use will be an introductory phone call and letter. This is to set out their pre-action protocol. You will usually receive (in writing) a letter explaining the total amount of debt owed, any charges/penalties which may have been accrued and a tight deadline for you to repay the debt in full. The letter will usually mention what steps will happen if you do not pay the debt in full. These steps are usually:
- A home visit
- A county court judgement (CCJ), issued by Excel Civil Enforcement Ltd if you fail to repay the debt within this tight deadline
- A threat of bankruptcy (usually if the debt is over £750)
Letters like this are very standard with every credit provider and not just Excel Civil Enforcement Ltd. It is important to not take these letters personally. There is help at hand, but you should act quickly.
If you have been contacted by Excel Civil Enforcement Ltd, contact us immediately and we will try to deal with them on your behalf.
How can we help?
When you first contact us, you will notice that all of our employees are vastly experienced in dealing with creditors such as Excel Civil Enforcement Ltd. As one of the largest debt websites in the United Kingdom, we pride ourselves on dealing with a high amount of debt related queries in an empathetic, effective and speedy fashion.
We request reviews from every single customer who we help, some of them have given very detailed feedback on how we have helped them and how it has completely changed their lives (in a very short space of time). So please check out these reviews and see for yourself!
We deal with a variety of debt solutions and a wide range of debt companies. This means that you will always find the best debt solution for yourself, without exception. As we are not tied to any one particular company, we can work hard to ensure you repay the very minimum that you need to.
What rights does Excel Civil Enforcement Ltd have?
Any company which chases customers for outstanding debts have to follow a very strict code of conduct. In our opinion, this still needs to be tightened up as it seems to rely on intimidation. This is usually demonstrated by the field agents who visit your home. The field agents are usually male, large in stature and they try to command authority with their tone of voice and actions.
But in reality, companies such as Excel Civil Enforcement Ltd are only interested in collecting as much money back in debts as they can. The welfare of the debtors is usually the last thing on their minds.
Excel Civil Enforcement Ltd can exercise the following rights:
- Excel Civil Enforcement Ltd can send letters to addresses where they think that you live, including new addresses which you have not provided to them
- Excel Civil Enforcement Ltd can call you on phone numbers which they believe you to have access to
- Excel Civil Enforcement Ltd can visit you at your home, or appoint representatives to visit you at home
- Excel Civil Enforcement Ltd can add charges, interest and penalties in accordance with the original agreement you entered into
- Excel Civil Enforcement Ltd may have the “right to offset”. This usually happens in situations when you have a debt with a bank, but you may also have money held within that same bank (for instance a credit card and a current account)
- If you do not pay on time, Excel Civil Enforcement Ltd may register a default on your credit file. This sometimes happens very quickly, but you should be given notice of this upfront. If a default is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
- Excel Civil Enforcement Ltd can apply for a county court judgement (CCJ). If a CCJ is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
- If your debt with Excel Civil Enforcement Ltd is over £5000, they can issue a statutory demand. This is usually the first step in petitioning for your bankruptcy. You would need to appoint a legal representative (usually a solicitor) to represent you in these circumstances.
What rights do I have against Excel Civil Enforcement Ltd?
- Excel Civil Enforcement Ltd can not harass you. They contact you as many times as they want as long as this is ‘reasonable’. This does not have any solid definition but be assured that this means that you should not feel harassed by Excel Civil Enforcement Ltd. You cannot use this as a defence to avoid repaying your debt. You can ask that Excel Civil Enforcement Ltd only contact you in writing, but if you do this you must make sure that you are responsive to these letters.
- Excel Civil Enforcement Ltd cannot speak to your family, friends or neighbours about your debts. This is in line with UK data protection laws.
- Excel Civil Enforcement Ltd cannot pretend that they have powers that they do not possess. In the past creditors have used documents which look like an official court document. A law has passed to prevent this from happening now.
- Excel Civil Enforcement Ltd cannot be threatening, abusive or tell lies to collect debts.