Should I Pay Rundles Bailiffs Debt Collection or Appeal?

Should I pay Rundles Bailiffs Debt Collection or appeal the charge? It’s something many people ask when bailiffs contact them. It can be stressful having to deal with Rundles & Co Bailiffs, more especially when you’re in debt!

I explain how to deal with bailiffs when they first contact you in my post so an anxious situation doesn’t turn into a nightmare!

Do you have to pay Rundles Bailiffs Debt Collection?

You might not have to pay Rundles Bailiffs Debt Collection.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who are Rundles & Co Bailiffs?

Although Rundles & Co claims to deal with people in an ‘ethical manner’. However, they are still enforcement agents whose job is to collect money and being persistent is part of the job!

The business has been operating for several years. In fact, since 1992 working in both the private and public sectors. As such, they may contact you if money is owed on your council tax or some other debt.

For instance, if you’ve got an unpaid parking ticket, and the issuer wins a court case, Rundles could be instructed to recover what’s owed. In short, you’d no longer be able to deal with the original creditor!

Enforcement agents take over the recovery of a debt when all other methods have failed and there’s a court order to pay in place. However, in this instance, Rundles & Co have likely purchased the debt and now owns it.

A Rundle’s agent can’t just turn up or contact you, though. Plus, there’s a strict Code of Practice that all enforcement agents must follow when carrying out debt recovery services.

So, when a company like Rundles Bailiffs contacts you, they must act appropriately and follow the rules set out by the Credit Services Association (CSA).

Why would Rundles Bailiffs contact you?

As mentioned, Rundles Bailiffs will contact you over an unpaid debt. For example, you may have ignored previous letters from a creditor who then sold the debt to Rundles & Co.

If you ignore a court summons to attend a hearing, a judgement is levied against you by default. The result? A County Court Judgement (CCJ) on your credit file and an impending visit from enforcement agents!

Namely, a Rundles enforcement officer!

Once the bailiff contacts you over an unpaid debt, it’s much wiser to respond within 7 days of receiving a notification from Rundles & Co!

That way you find out why they are contacting you and who you owe the money to if you actually do owe anything.

In short, you should ask them what debt they are chasing you for. For example, maybe you owe money to:

• A business, organisation or some other person
• HMRC over a tax overpayment or unpaid tax
• A payday loan company or credit card provider
• The court for defaulting on a court fine

In most instances involving enforcement officers (bailiffs), any action they take can only happen following court action. This could be a hearing held in any of the following courts:

• A magistrate’s court
• A High Court
• A County Court

However, this depends on the sort of debt that Rundles Bailiffs is chasing you for. Also, as Rundles purchases debts and therefore owns them, they are more likely to start court proceedings against you!

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

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Who do Rundles Bailiffs collect debts for?

Rundles & Co Bailiffs has a long list of clients which includes the following businesses, organisations and local authorities:

• Utility providers like United and Npower
• Mobile phone companies which include EE, Virgin Media and O2 for example
• Local councils over unpaid parking fines and outstanding council tax

Do Rundles & Co Bailiffs buy debts?

Yes. Rundles & Co Bailiffs buy debts in bulk for a fraction of their value. Hence, when they successfully recover a debt, their profit margin is high.

Because Rundles owns the debt, they can be extremely persistent when contacting debtors. After all, it’s the way they make their money!

As such, you may find that Rundles rarely gives up chasing you over an unpaid debt. So it’s best not to ignore them.

Can you stop enforcement agents like Rundles from contacting you?

The first contact you’ll likely have with a company like Rundles Bailiffs is a letter they send you asking for payment. You may also get phone calls and emails from them.

If you ignore enforcement agents, they just carry on trying to get in touch with you and as a last resort will turn up at your door.

Your best bet is to respond to an enforcement agent when they contact you before they turn up at your home with court documents!

That said, you can’t stop Rundles & Co from contacting you over an outstanding debt when there’s a court order to pay.

Can Rundles Bailiffs just turn up at your door?

No. Enforcement agents can’t just show up at your home. They must send you a notice of an intended visit at least 7 days before they do. This gives you enough time to prepare for their visit!

That said, you might want to settle the debt to stop this from happening! But not before you seek debt advice from one of the charities on independent debt advisers!

What can’t Rundles Bailiffs do?

Enforcement agents must follow a Code of Practice when they chase you for an unpaid debt. There are things that enforcement agents are not allowed to do which include:

• Call you constantly at unreasonable times of the day or evening
• Call you at your workplace when you asked them not to
• Talk to your boss, neighbours, family members or friends about an alleged debt
• Threaten you in any way
• Use legal jargon to confuse you
• Urge you to take out a loan to pay an alleged debt you owe
• Harass you
• Refuse to leave when you ask them to leave which could be seen as harassment
• Force entry into your home although in some instances they can with the assistance of a qualified locksmith

What can Rundles Bailiffs legally do?

There are things that a company like Rundles Bailiffs are legally allowed to do which I’ve listed here:

• Contact you over an alleged debt
• Discuss the amount owed with you politely always considering your circumstances and showing empathy
• Visit you at home once they’ve given you notice of their intended visit

What if the debt isn’t yours?

One very good reason for responding to Rundles Bailiffs sooner rather than later is to establish the debt is actually yours. Mistakes happen whether because of a clerical error or because the debt belongs to a person who no longer lives at your property. Or maybe the real debtor’s name is very similar to yours.

You should call Rundles Bailiffs as soon as possible to let them know they’re contacting the wrong person. Tell them that you’ll send proof the debt isn’t yours and that it belongs to someone else.

Rundles Bailiffs should stop any further action until they receive the proof. They must respect this request and look into your case in a timely manner.

What if Rundles Bailiffs pressure you into paying a debt that’s not yours?

If Rundles Bailiffs pressures you into paying a debt that’s not yours, it could be deemed harassment.

In short, you can’t be made to pay if:

• The debt is someone else’s but their name is similar to yours
• You already settled the debt in full

Enforcement agents cannot pressure you into paying a debt you don’t owe. If they do, it could be seen as harassment which is against the law. You could claim compensation for the distress this may have caused you.

What powers do Rundles & Co have?

As accredited enforcement agents, Rundles & Co Bailiffs have certain legal powers when it comes to debt recovery. That said, as a debtor, you also have specific rights which bailiffs must respect!

As mentioned above, Rundles Bailiffs have the right to visit you at home if all other methods to contact you fail. They can also force entry into your home to collect the following:

• Unpaid criminal fines
• Unpaid Income Tax
• Unpaid Stamp Duty

However, bailiffs can only force their way into your home for the above debts as a last resort!

Enforcement officers from Rundles can visit you at reasonable times of the day but not after 9 pm or before 6 in the morning! They can’t enter your home through windows either.

Also, when you refuse entry to a bailiff, they have the right to seize any of your possessions found outside your home. For example, they could take possession of your vehicle!

That said, bailiffs cannot attempt to enter a property if only vulnerable people are home, or when the only people present are under 16 years old.

Bailiffs do have the right to ‘take control of goods and sell them to recover the money owed, their costs and fees!

New laws also allow bailiffs to look through a window and note down anything they see which could include televisions and other equipment typically found in a living room. 

It’s always a good idea to keep the curtains shut if you’re expecting a visit from bailiffs for this reason!

How do you deal with a Rundles Bailiffs visit?

When enforcement officers from Rundles visit you at home, you’re not obliged to let them into your property. Even if they say that you do!

Moreover, you should ask them to produce all the paperwork relating to the alleged debt and the court order to recover it. When a bailiff can’t produce the right documentation, you should ask them to return with the right paperwork at a later date.

Also, you should ask the enforcement agents to show you their identification to prove they have the authorisation to enter your home. The sort of ID they may produce could include:

• Their ID cards or badges showing that they work for Rundles Bailiffs
• A breakdown of the debt you allegedly owe including the total cost involved
• A Warrant of Recovery or documentation showing they are authorised to enter your home

In very extreme cases, enforcement agents may use the services of a qualified locksmith to gain entry into your home. They cannot break the door down! Plus, if they cause any damage, they must put things right.

Unfortunately, the cost is added to the money you owe!

If you’re anxious about opening a door to an enforcement officer, you have the right to ask them to push the paperwork under the door or through your letterbox.

This allows you to check all the details and whether or not the debt is too old to enforce!

You have the right to ask the enforcement agents to leave your property if they cannot produce adequate proof. That said, you should then contact Rundles & Co head office as soon as possible to reschedule a visit or pay the debt!

What can you do if Rundles & Co seize your possessions?

If you let Rundles enforcement officers into your home and they seize possessions, you may still be able to have the items returned to you.

The quickest way to achieve this is by settling the debt straight away before the items are sold. You might not be in a position to pay the full amount, but Rundles may agree to setting up a repayment plan.

Another option is to buy the items back yourself!

Moreover, if Rundles & Co Bailiffs failed to follow the correct procedure in entering your property when seizing your goods, you could get your possessions back.

If you’re unsure how to do this, Citizens Advice provides essential support which is free of charge!

What happens if you ignore Rundles & Co Bailiffs?

It’s never a wise move to ignore Rundles & Co Bailiffs because as mentioned, they are incredibly persistent. Just because you don’t respond to them, it doesn’t mean they’ll simply go away. And neither will the problem vanish!

Moreover, you’d miss out on establishing important things. This includes whether the debt is already settled or that it belongs to another person if you don’t respond!

Eventually, you’ll have to deal with things and could find that the original debt has increased making it harder to settle.

Enforcement officers will add their fees and other costs to the debt which include:

• The cost of sending you an enforcement notice (compliance) is £75
• The cost of visiting your home (enforcement) is £235
• The cost of selling your possessions (sale of goods) is £110 – or 7.5% for anything over £1,500

In short, it’s wiser to respond to Rundles & Co Bailiffs rather than ignore them. Even if the debt isn’t yours or you’ve already settled it!

Is the debt too old to enforce?

Some purchased debts are too old to enforce. So it’s always worth checking the age of the debt before responding to Rundles & Co.

When a debt is 6 years old and specific criteria are met, it’s no longer enforceable because it’s statute barred.

For example, if the following apply you may not have to settle the debt:

• You didn’t admit owing the money in the past 6 years
• You weren’t in contact with the original creditor in the past 6 years
• There’s no existing county court claim relating to the debt

Should you pay the debt?

When Rundles & Co Bailiffs confirms the debt is yours and they’ve shown you all the right documentation, you’ll have no choice but to pay.

This provides several advantages which include:

• You’ll no longer be contacted by Rundles & Co
• No further action will be taken against you

Make sure you get an official receipt for the payment or payments you make to the bailiffs.

If you can’t pay the full amount owed, try to set up a repayment schedule with Rundles & Co who should be willing to do this. But if you can meet a payment at any time, you must let Rundles know as soon as possible.

Otherwise, a repayment plan could be cancelled and you’d have to pay the full amount in one go.

Check out what happened to one unfortunate person who had dealings with Rundles:

Source: Moneysavingexpert

What help is there when dealing with Rundles & Co Bailiffs?

There is plenty of debt help available in the UK, more especially from charities that provide free debt advice. It’s a great place to start when you want to find out how to get out of debt.

There are also independent debt management companies but you’ll have to pay for their services.

That said, you could consider any of the following:

• An Individual Voluntary Arrangement (IVA) which applies in England, Wales and Northern Ireland. All your debts are combined and you pay one affordable monthly payment with a chunk of the debt eventually being written off
• Debt management is also another option but would depend on your circumstances. If your situation permits you could enter into a debt management plan, consolidate your loans and if necessary arrange bankruptcy. However, you should seek professional advice first

I’ve listed some of the debt charities that offer free advice in the table below:

Can you complain about Rundles?

Yes. If you feel a Rundles enforcement officer acted improperly or unlawfully, you have the right to file a complaint.

First, file a complaint with Rundles & Co’s head office. Allow them the time to respond which they must do in a timely manner.

If you feel they are not treating your complaint to your satisfaction, you can escalate your complaint to the Financial Ombudsman Service (FOS). The FOS will investigate your complaint.

How do you contact Rundles & Co Bailiffs?

I’ve listed Rundles and Co’s contact details in the table below:

Should you pay Rundles Bailiffs debt collection or appeal?

Getting a letter from a bailiff is unnerving at the best of times. Especially if you’re struggling with your finances.

The first thing you should do is check the debt is yours and that it’s not statute-barred. Once you’re satisfied you owe the money, stay in touch with Rundles & Co to try and sort things out.

The one thing NOT to do is ignore bailiffs when they get in touch. Instead, make sure you reach out to them within 7 days to prevent the problem from escalating! You’ll eventually have to deal with the problem which will be harder to resolve and more costly!

If you get a visit from one of their enforcement officers, don’t let them into your home unless they can produce a court-certified writ or warrant. Better still, ask them to leave before contacting a debt charity for the advice!

Only then should you begin negotiations with Rundles & Co Bailiffs by contacting them as soon as you can.

Thanks for reading this post. I hope the information helps you deal with Rundles & Co Bailiffs so the experience is less stressful and the outcome is positive!

Are you worried about debt collectors contacting you?

Then, why not check out my post which covers how debt collectors find your address! Or have you been contacted by other debt collection agencies if so, I’ve listed three of my posts on some of the main companies here:

• Do I pay PRA Group Ltd or not?
• Should you pay Lowell Portfolio or not?
• Do you have to pay Cabot debt collectors?

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

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