Jacobs Enforcement is a debt collection and enforcement service. The company is owned by Simon and Paula Jacobs and is a leading player in the debt recovery and enforcement industry. In addition to this, it has also received awards for its innovation and development.
The company works with local authorities to recover money from debtors. It can send bailiffs to your home or office to help with your debts. They can collect your council tax, DVLA or benefit overpayments. However, there are certain things you should know when dealing with these people. You should never let them in to your home and you should get an inventory of your goods before they are taken.
When a bailiff is sent to your property, they will only be allowed to take items you can prove you own. This includes items such as your car and your mobile phone. You can also have your jewellery, antiques and luxury electrical goods confiscated. These are things that you can only have taken if you have a County Court Judgement.
Whether you’re a Jacobs customer or not, you need to be prepared. Before they visit your home, you should have a copy of the Notice of Enforcement that they are sending you. If you don’t want to let them in, you can pay them with cash at the door.
You may receive a warning letter before the bailiff visits your home. A Notice of Enforcement is a document that tells you that the enforcement agent will be visiting your property, and is sent to you at least seven days before the enforcement agent comes to your home. Upon receiving this letter, you have a 24-hour period to pay the debt or the agent will take further action.
Although the company can legally force its way into your home, it is not allowed to use physical violence. Moreover, they can’t enter your house in the middle of the night, or during unsociable hours. Additionally, they cannot enter a home if you have a child or elderly person living there.
Once they have a court warrant, they can go to your home and remove your belongings. They will not be able to take your clothes, mobile phone or landline, but they can take luxury electrical goods, jewellery, antiques, cookers, refrigerators and mattresses.
Before letting them into your home, you should make sure that the bailiff is wearing identification. You can request that they don’t come in, but if they don’t leave, you can complain to the Financial Ombudsman.
Unlike other types of debt collectors, the Jacobs Enforcement agents are not authorised by the Financial Conduct Authority. There is also no law preventing them from charging you a fee for their services.
If you have a County Court Judgement, it is possible for the debt collector to send a bailiff to your home. However, you can’t be jailed for having a CCJ. Furthermore, a CCJ can appear on your credit report.
Jacobs Enforcement – How to Deal With Jacobs Enforcement was first seen on Help with My Debt