Coronavirus information for debtors

During the coronavirus pandemic, you may have questions about the payment of the judgment debt that is being enforced by us. Below is information relating to the main questions we are being asked.

If you have received a notice of enforcement

The enforcement process starts with the sending of a notice of enforcement, which gives the judgment debtor seven days in which to pay in full, before enforcement proceeds. Payment at this stage prevents the incurrence of further enforcement fees beyond the compliance stage fee (currently £75 plus VAT).

Payment can be made through the methods provided here.

It is in your interest to make payment in full, where possible. If you are unable to do this, we recommend that you make a part payment on account prior to an enforcement visit to reduce both the sum owing and the additional enforcement fees that will be incurred at that stage.

If you are already in a payment arrangement

If you are already in a payment arrangement, or are waiting for confirmation of a payment arrangement, you should continue to make your payments as agreed with us and your creditor.

Payment can be made through the methods provided here.

If you need to set up a payment arrangement

If you are not yet making any payments and want to agree an arrangement, please email us at enforcement@hcegroup.co.uk with your proposal, which we will then send to the judgment creditor.

Please note that we are very busy with a high volume of enquiries at present and it may take some time to respond to your request. In the meantime, you can start making payments on account using the methods provided here.

If you need independent debt advice

There are several charities you can ask for support. A list of the main ones is provided here.

Can an enforcement agent visit my home?

Yes, enforcement agent visits are taking place. There are some restrictions on entry to your property, depending on your current lockdown tier status.

If you live within a tier 2 (high) or tier 3 (very high) lockdown area, enforcement agents can attend residential properties but may not make physical entry to enforce writs of control.

If you live in Wales no visits to residential addresses will take place during the national lockdown (from 6pm on 23 October until the end of the day on 8 November 2020). It is in your interest to make payment in full, where possible. If you are unable to do this, we recommend that you make a part payment on account prior to an enforcement visit to reduce both the sum owing and the additional enforcement fees that will be incurred at that stage.

Can an enforcement agent visit my business premises?

Yes, enforcement agents can attend and make physical entry into all business premises. The tier of lockdown does not impact on this.

Where can residential evictions take place?

No residential evictions are to take place in any area in tier 2 or tier 3 lockdown.

If you are in a tier 1 lockdown area, then residential evictions can be undertaken.

No residential evictions are to take place from 11th December 2020 to 11th January 2021 throughout England and Wales.

Post-lockdown enforcement plan

COVID-19 updates for debtors

Please visit this page for more information about what to do if you have received a notice of enforcement or are currently in a payment arrangement.

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COVID-19 update for clients

Our strategy for the return to full enforcement of cases post-lockdown.

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