Founded in 1959, Jacobs Enforcement is a debt collection company that works with local authorities and private companies. It is the largest independently-owned enforcement agency in the UK. It is run by Simon Jacobs and Paula Jacobs, but it is not regulated by the Financial Conduct Authority.
Jacobs is a debt collection company that works with over 165 local authorities and private companies. It works on behalf of the original creditor and aims to meet its targets. If you have a debt with Jacobs, you may be visited by an enforcement agent or a bailiff. These individuals may enter your home without your permission or charge you a fee. They may also try to take your possessions, including personal property. In some cases, they will attempt to sell your goods for a profit.
Jacobs will usually send a letter to your home, business or mobile phone. This will explain your debt, the deadline for payment and any penalty charges that may apply. If you don’t pay the debt, the debtor may send a bailiff to your home or business. They may also sell your property. If you fail to pay the debt within seven days, they may issue a County Court Judgement against you. This can lead to your credit report being damaged.
Debt collection companies usually have large numbers of agents, and often rely on intimidation. If you find yourself being harassed by a debt collector, you can report them to the Citizens Advice Bureau. If you’re unsure about your rights, you can also contact the National Debt Helpline.
Jacobs also operates bailiffs, who can visit your home if you are in arrears on council tax. Bailiffs can’t take your mobile phone, white goods or clothes. They also cannot take items that you own jointly with another person.
If you don’t pay your debt, Jacobs may issue a County Court Judgement against your home. This may lead to your credit report being damaged and may threaten bankruptcy. You can prevent this from happening by contacting the original creditor and asking them to pay the debt. If the debtor does not respond to the County Court Judgement within seven days, Jacobs will send a bailiff to your home. They may also try to take your possessions, such as your clothes, mobile phone or dining table. This may be the last resort.
Jacobs can also send field agents to your home or business. This can be extremely distressing for the family. These agents often bombard your home or business with calls. You may also be sent a warning letter. If you’re not able to pay the debt, the creditor may cancel your repayment plan. You can also have your debt referred to a debt advisory service.
It is important to understand your rights when dealing with Jacobs. They cannot take your personal property, including your clothes, landline, white goods or cooker. They can also take goods for sale, but they cannot take anything that is essential to your basic living. They can sell your goods at auction, but they can’t take jewellery, antiques or money from your property.