The Jacobs Enforcement Group is one of the largest independent debt recovery and enforcement agencies in the UK. They work with 165 local authorities and debt collectors across the country, and offer traditional enforcement services and debt advice. These services can help you recover your money from a private company or government department.
In a nutshell, Jacobs Enforcement is a debt collection company that buys debts from the original creditor and works on behalf of the debtor. It does this by sending a bailiff to visit the home or business of the debtor. If the debtor fails to pay, the enforcement agent will have the authority to take the belongings and sell them at an auction. Some of the things they can take include a car, jewellery, clothing, and other personal items. However, they cannot take joint-owned items such as a television, or white goods such as a cooker or fridge.
When a bailiff arrives at your property, they will first give you an initial enforcement notice. You can refuse to allow them to enter, but this does not prevent them from taking possessions out of your home. Also, the enforcement agent is not allowed to enter during unsociable hours, such as Sunday. This can be distressing for both the debtor and their family.
Often, when a Jacobs Bailiff visits a property, the debtor will not be aware that they have a CCJ against them. This can result in a County Court Judgement (CCJ) against them, and the court notice will appear on their credit report. As a result, this can cause a significant financial impact.
If you have been contacted by a Jacobs Enforcement Agent, it is a good idea to make a report. If you do, they may not be able to return to your home and you will be able to take legal action against them. For instance, you can contact the Financial Ombudsman, the County Court, or the Civil and Commercial Court.
Jacobs Enforcement agents are trained to adhere to a code of conduct. Specifically, they are not allowed to use any form of physical violence or intimidation. Instead, they will use reasonable force. To avoid getting into trouble, you should never let them into your home, or allow them to get into the car. Likewise, you should always have your vehicle out of sight.
There are three stages of baliff action, and you can only be charged for each stage. A bailiff can only attend a property between 6am and 9pm. Therefore, if you are being visited by an enforcement agent on a weekend, be sure to have a car you can leave for the duration of their visit.
You can also request a refund for any of the charges made by the debtor. This can include the cost of the bailiff’s fees, as well as the costs of the sale of your goods. By doing this, you can save money, which you can then apply towards paying back the debt.