Is CDER Group Legitimate or a Scam? Can They Force Entry?

Have you received a letter from CDER Group about a debt? If you have, you might be feeling worried. You might wonder if CDER Group is real and if they can come into your home. Don’t worry, you’re not alone. Every month, I help over 12,000 people who need advice about debt.

In this article, we’ll talk about:

• Who CDER Group is and if they are a real business.
• How to lower your payments to CDER Group.
• What CDER Group can and can’t do when they want to collect a debt.
• What a CDER Group Notice of Enforcement means.
• How to stop CDER Group from coming to your home.

I know how hard it can be to deal with debt, as some of our team members have been in the same situation. They’ve had to handle debts and didn’t know what to do, so we know how to help you. Keep reading to learn more about CDER Group and how to handle your debt with them.

Is CDER Group a legitimate business?

Yes. CDER Group is a legitimate business that’s registered with Company House. So, when you get a letter from them, it’s because a court order’s been issued against a debtor!

Is CDER Group regulated?

Yes. CDER Group is highly regulated and must abide by the law when they contact you to recover an outstanding debt.

That said, you’ve got rights when Enforcement Agents contact you!

What is a CDER Group Notice of Enforcement?

CDER Group sends you a Notice of Enforcement which you shouldn’t ignore. The notice gives you two options which are:

• Pay what’s owed
• Contact CDER to set up a payment plan (short-term)

An enforcement agent may visit if you do not deal with the notice. In England and Wales, for private enforcement under the Taking Control of Goods (Fees) Regulations, the current compliance-stage fee is £79. The fee changes took effect on 1 May 2026 and do not affect enforcement action taken before then.

What happens when you don’t pay CDER Group?

Things get very expensive when you don’t pay CDER Group once they’ve contacted you and sent a Notice of Enforcement.

For enforcement other than under a High Court writ, the current enforcement-stage fee is £247, plus 7.5% of the part of the sum to be recovered above £1,900.

If the case reaches the sale or disposal stage, a further £116 plus 7.5% of the part of the sum to be recovered above £1,900 can apply under that fee table. High Court enforcement uses different fees. Ask for an itemised breakdown, including any additional expenses or VAT-equivalent amount that can lawfully be charged.

» TAKE ACTION NOW: Fill out the short debt form

Do you have to let CDER enforcement agents in?

No. You won’t have to let CDER enforcement agents into your house. You can talk to them from an upstairs window if possible or through a letterbox. Make sure the doors are locked!

Take the first step towards tackling your debt

Every day, our partner, The Debt Advice Service, helps people understand their options for dealing with debt. Their debt advice is free, with no obligation to proceed.

Thrifty Family introduces you to The Debt Advice Service. We do not provide debt advice or recommend debt solutions.

Natasha

Very helpful and informative thank you

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Thrifty Family does not provide debt advice or recommend debt solutions. We can introduce you to The Debt Advice Service, a trading style of Pacific Financial Solutions Limited. Their debt advice is free, and there is no obligation to proceed.

If you request an introduction, we’ll share your details with The Debt Advice Service so they can contact you.

Some debt solutions have fees and may negatively affect your credit rating. Thrifty Family is a commercial introducer and may receive a fee if you go ahead with a debt solution through The Debt Advice Service.

For free, impartial money guidance and help finding free debt advice, visit MoneyHelper.

How do you stop CDER Group enforcement agents?

You can stop CDER Group enforcement agents from contacting you by:

• Paying the full amount owed
• Agreeing to a short-term payment plan
• Informing them you are a ‘vulnerable’ person

UK law prevents enforcement agents from visiting vulnerable people. This could include pregnant women, a person who doesn’t speak English, and single parents.

Should you pay CDER Group?

If you can, try to pay CDER Group when they send you a Notice of Enforcement. Why? Because it stops them from adding more fees and prevents them from visiting you at home.

If you can’t afford to pay the full amount, contact CDER sooner rather than later and negotiate a payment plan with them!

How do you contact CDER Group?

I’ve included ways to contact CDER Group here: