Not everyone is bound to settle their dues with Excel Civil Enforcement. However, turning a blind eye to them might lead to intensified enforcement actions. What should you do next with Excel Civil Enforcement on your heels?
Stay tuned as I’m about to unravel your options…
Table of Contents
MORE
LESS
Who Are Excel Civil Enforcement Ltd?
Excel Civil Enforcement Ltd is a notable debt collection agency based in Wales. They have teams that specialise in collecting legal debts, already verified by the courts. Their operations span two offices:
- Excel Civil Enforcement Colwyn Bay
- Excel Civil Enforcement Swansea
Praised for their efficiency, they’ve clinched several awards. In addition, they tackle eviction tasks, reclaiming properties from unlawful occupants. This company also runs an eviction team in order to get properties back from unlawful occupants such as squatters.
What Type of Debt Does Excel Civil Enforcement Collect?
Excel Civil Enforcement primarily serves local authorities and government departments, as mentioned on their website.
Though based in Wales, the company operates UK-wide. So, even if you’re outside Wales, you might hear from them.
The Process of UK Debt Collection
Understanding UK debt collection is essential if debts weigh you down. So, how does Excel Civil Enforcement fit into this? Firstly, they’re distinct from regular debt agencies. In the UK, the debt collection phases are:
Excel Civil Enforcement Vs Debt Collection Agencies/Solicitors
Typically, law enforcement teams like Excel Civil Enforcement enter the scene at the final phase, enforcing court-approved debts. In essence, if they’re knocking at your door, previous debt resolutions might have been overlooked or mishandled.
If you’re in this situation, it might be a bit too late, but all hope is not lost.
You Received an Excel Civil Enforcement Notice of Attendance?
If you find yourself in this predicament, grasping the nuances of dealing with Excel Civil Enforcement can alleviate some stress. You might have received a “Notice of Attendance” from them.
This letter essentially warns debtors of an impending visit to enforce the court’s judgment on the debt. In this case, the debtor gets a period of 7 days to settle the debt (plus an additional £75 fee), or they will come to your house.
But sometimes they might come to your house without sending a letter. This brings us to prevalent complaints associated with Excel Civil Enforcement.
Common Excel Civil Enforcement Complaints
If you recently shrugged off a debt notice or court summons that notifies you that they will be taking you to court, there’s a chance Excel Civil Enforcement may make an unannounced visit.
According to recent complaints, their agents tend to call early. Such early visits aim to catch you before you leave. Moreover, their approach can be perceived as rather aggressive.
Can Excel Civil Enforcement Enter My Property?
Yes, Excel Civil Enforcement Agents have the right to enter your property if they are armed with a court order or writ of possession. But don’t expect them to barge in, breaking things. They’re more subtle, often waiting by the door, especially if you step out.
Their aim is a peaceful entry with less trouble.
Will Excel Civil Enforcement Take My Possessions?
If they’re inside, your belongings might be at risk. With the court’s backing, they can seize items to auction them off and recover the debt. A heads up: auctioned items often fetch less than their worth.
There are some items they cannot take into possession even if they have a possession court order in hand. Namely:
- Vehicles not in your name or under finance
- Consumables
- Must-have work items like tools or PCs.
But before they come knocking, shouldn’t you know the extent of their power?
Can Excel Civil Enforcement Take My Home?
The harsh truth is, yes, they can. They might seize valuables, even your home, in dire circumstances. Yet, it’s uncommon since there are alternative ways to recover debts. The magnitude of your debt would need to be staggering for a home repossession.
But before you panic, there’s more to consider.
Will Excel Civil Enforcement Always Offer a Payment Plan Option?
Often, these agents expect the full sum on the spot. But if you negotiate, they might hear you out for a feasible payment plan. They will ask you to pay a lump sum on the spot and then commit to a payment plan. But there’s a chance they might refuse, eyeing valuable assets in your home.
Crafting a deal with Excel Civil Enforcement could prove trickier than you think. Your best move? Address debt letters head-on and avoid ignoring them.
Sorting things early might save you from hefty initial payments and land you a better deal when requesting a payment plan. But remember, only commit to a payment plan that you can handle. If you ignore a payment plan and fail to make payments again, it might worsen your situation.
Secure Your Belongings with an Excel Civil Enforcement Payment Plan
Excel Civil Enforcement leans towards aiding debtors via payment plans, a silver lining for many. Their site even has a designated section for debtors to clear dues. But before you jump onto a plan, ensure it aligns with your finances.
Overreaching can backfire, making your debt situation worsen. So, map out your monthly expenses. Essentials like rent, food, and utilities should be top priority.
Want to Initiate an Excel Civil Enforcement Payment Plan?
If you’re looking to finalise a payment plan with Excel Civil Enforcement before they visit your home, act fast. Ensure you’ve got an Excel Civil Enforcement notice of attendance, then:
- Head to their website and use the contact form (we have mentioned their website name at the later part of this article).
- Or Ring them at 03300 081 014.
Is an Excel Civil Enforcement Payment Plan Mandatory?
Before you receive a court order, there are many options you can take to get out of debt in comparison to after receiving the court order. But still, there are many things you can do.
Excel Civil Enforcement might try to push you to sign up for a payment arrangement as mentioned on their website:
“Avoid ‘consolidating’ debts unless advised – or you might owe even more” — [Excel Civil Enforcement website]’
But hold on, that’s not the complete picture. Free charities offer sound debt advice without emptying your pockets. And while Excel Civil Enforcement’s perspective on debt consolidation might be dim, it could be helpful for some.
Debt solutions, such as Individual Voluntary Arrangements (IVAS), could allow you to save on how much you owe.
So, IVAs and consolidation loans are they the way forward? Dive deeper at the page’s end to know more.
Raising Concerns about Excel Civil Enforcement Debt Collection
If you believe Excel Civil Enforcement has behaved inappropriately or been unreasonable, you can file a complaint. You can also make a complaint if they break the Civil Enforcement Association’s (CIVEA) code of practice.
For the complaint process, start with Excel Civil Enforcement themselves; they should have the first shot at righting the wrong. If the issue goes unresolved, escalate to CIVEA’s complaints department.
They will investigate the matter, and if your complaint is upheld, Excel might have to pay a fine, or they might owe you compensation.
Wrestling with Excel Civil Enforcement Debt? Seek Expertise
Don’t wade through this murky water alone. Debt charities are at your service, extending free financial guidance and debt counselling in the UK. A few debt charities that you can reach out to in the UK include:
- StepChange
- National Debtline
- Citizens Advice
- Debt Advice Foundation
Multiple Debt Collectors On Your Back?
The amount of personal debt in the United Kingdom is rising fast. According to the Office for Budget Responsibility, the household debt of the UK is expected to climb to £2.354 billion in 2025. So, if you owe more than one debt in the UK, it’s not surprising as this situation is common among many people.
So, make sure to be proactive. Sift through your bank statements, posts and emails, and check for debt collector alerts. Watch out especially for:
- Cabot Financial
- Lowell Financial
- PRA Group
Dodge the Debt Collector
The best way to avoid debt collection is to only take credit that you’re sure you can pay off. This may seem like simple and basic advice, but it is the best option.
Also, if you start to find it difficult to pay off your debts, take action without any delay. The earlier you take action, the better. This indicates that you should reach out to your creditors and explain your situation, stating that you’re having trouble paying off the debts. You can also consider taking up a debt solution.
There are multiple debt solutions available in the UK. Some even help you to write off a portion of your unaffordable debt. However, note that while taking up the right debt solution will help you to write off debt, the wrong one will be expensive and might even worsen your situation.
So, before you take up a debt solution, we recommend you speak to a debt charity or feel free to fill out our online form, and our MoneyAdvisor Team will guide you on the best course of action.
- Debt Management Plan (DMP): A DMP helps you to pay off your debt in one single payment every month. It’s a casual debt solution, not legally binding. So you’re not tied to a minimum number of payments in the DMP.
- Individual Voluntary Arrangement (IVA): A more structured deal between you and creditors. A 5 to 6-year commitment could clear the remaining debt post-term. But ensure you’re a fit. With an IVA, you should pay an affordable portion of the debt every month, and your creditors agree not to contact you during this period.
But make sure that you’re a fit, as an IVA is not suitable for everyone. In order to be eligible, you should owe several thousand pounds to multiple creditors. You should also provide proof that you have some disposable income every month.
- Debt Relief Order (DRO): For those teetering on financial edges. A 12-month reprieve might culminate in a complete debt write-off. For 12 months, you don’t have to make payments, and creditors freeze your interest. Within this period, if your debts don’t improve, you can write off your unsecured debts.
- Bankruptcy: It’s a restart button but has ramifications. You should take up this debt solution only if there is no realistic possibility of you ever paying off your debts. Even though it has an unfair stigma attached to it, bankruptcy allows you to have a fresh start. But make sure that you don’t take it lightly as it is a serious financial situation.
Touchpoints for Excel Civil Enforcement
| Phone: | 03300 081 014 |
| Website: | https://excelenforcement.co.uk/ |
| Registered Office: | Marine House, 2 Marine Road, Colwyn Bay, Conwy, LL29 8PH Data Protection |
| Email: | info@excelenforcement.co.uk |
In a Debt Quagmire? MoneyAdvisor to the Rescue
For impartial, jargon-free debt help, explore the MoneyAdvisor. I serve up blogs and articles demystifying debt collectors and escape routes. Cut through the confusion and navigate your debt journey with ease.
Key Points
- Excel Civil Enforcement functions as a law enforcement agency specialising in debt collection. They mainly act on behalf of local authorities and government bodies, especially after court orders have been handed down.
- Debt Write-off in the UK: A significant number of UK citizens have the legal leeway to write off portions of their debt, thereby easing their financial burdens.
- When you’re served an Excel Civil Enforcement notification of attendance, the clock starts ticking. You’re on a 7-day deadline to clear the debt; if not, be prepared for a home visit from their agents looking to execute the court order.
- With the power of a court order, they possess the right to step onto your property. Their goal? Repossession of valuables to settle the outstanding amount. However, they’re not always stringent. They might extend a payment plan option for easier resolution.
- Ignoring debt letters can land you in a tough spot. Before things escalate to court orders, it’s wise to consider other avenues. Solutions like IVAs (Individual Voluntary Arrangements) and debt consolidation loans can be your ticket out of a tight spot, all while avoiding the intense scrutiny of Excel Civil Enforcement.
- Organisations in the UK are ready to lend a hand. Top-tier debt charities like StepChange UK, Christians Against Poverty, and National Debtline have the resources and expertise to guide you. They can provide much-needed counsel when dealing with intimidating entities like Excel Civil Enforcement.
