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rRundle and Co. Bailiff Enforcement Harassment: Everything You Need to Know

You need to ensure that the debts that are chased after you by Rundle and Co. Bailiff’s agents are genuinely yours. Plus, it’s crucial to respond within 7 days of receiving a Notice of Enforcement if the debts turn out to be yours.

But why is this 7-day window so critical with “Rundle and co”? Read on to find out more about it.

Warren Marshall
Last updated on 9 October 2023
Fact Checked

Table of Contents

1. Who are Rundle and Co. Bailiffs?
2. Why are Rundle and Co. Bailiffs Debt Collectors Calling You?
3. Find Out if You Owe the Money
4. Is My Debt Statute Barred?
5. What if You Can Pay, but You Refuse to Pay?
6. What is a CCJ?
7. Are Debt Collectors Causing You Stress?
8. Rundle and Co. Bailiffs Debt Collectors and What the Law Tells Us
9. Do You Want to Understand How Rundle and Co. Bailiffs Debt Collectors Operate?
10. Rundle and Co. Ltd. Contact Details
11. How Do I Complain About Rundle and Co. Bailiff Enforcement?
12. What if They Threaten to Visit My Home?
13. Are They Trying to Wear You Down?
14. Free Debt Help
15. Can I Get a Debt Solution?
16. Get Help with Your Debt in Rundle and Co.
17. Key Points:


Rundle and Co. Bailiffs Debt Collectors may be pressuring you to settle a debt, causing concerns about payment and confusion about the debt’s legitimacy. You might even be facing potential legal consequences.

If any of these situations resonate with you – or perhaps all of them – this article is tailored to address your concerns and provide the answers you seek.

Who are Rundle and Co. Bailiffs?

Rundle and Co. is one of the leading companies in the UK that provides debt collection services and ethical enforcement services. The organisation works with both private and public sector clients. They mainly assist with debt collection, business rates, and commercial rent.

Background: A Glimpse into Rundle and Co.’s Origin

Rundle and Co. isn’t just a name that randomly pops up on your phone or mailbox. They are a professional enforcement agency with roots based firmly in the UK. Born out of the need to bridge the gap between debtors and creditors, they’ve been in the field for years.

The Nature of their Business
  • Debt Collection: Their primary task is to recover outstanding debts.
  • Purchase ownership of bad Debts from other lenders for a fraction of the total value and chase after the debtor to recover the whole debt amount, making them a huge profit in return.
  • Representation: Other businesses and individuals can hire Rundle and Co. to chase after their debtors to recover pending debts. Here, they earn a commission or a fixed fee for each debt they recover successfully.
  • Enforcement Services:

Why are Rundle and Co. Bailiffs Debt Collectors Calling You?

Debt collectors, such as Rundle and Co. and lone merchants, are well-known for their tenacity in collecting debt. Independent firms and sole proprietors frequently purchase debts from the original creditor at a fraction of the face value cost, often paying only 20% of the face value.

In 2010, the Office for Fair Trading noted that improper debt-collecting practices are prevalent and that they frequently feel that the debtor is liable for paying it without any justifications.

They are uninterested in the debtor’s personal situation and prefer prompt repayment. When it comes to collecting repayments, debt collectors like Rundle and Co. may not have many morals, according to the Office for Fair Trading.

It’s unsettling receiving a call or a letter, especially when you’re unsure of the reasons.

The speculations are plenty:

1. Is it a bill forgotten?
2. An error in their records?
3. Or, a mix-up with someone else?
The Common Culprits
  • Overdue Payments: Sometimes, life happens. Amid the hustle and bustle, bills can be overlooked, leading to missed payments.
  • Misunderstandings: There could have been discrepancies in your payment records, or maybe you’re disputing a charge.
  • Wrong Contact: A miscommunication or a similarity in names, and you might be receiving calls meant for another.
How to Navigate the Situation?

Understanding why they’re calling is merely the first step. The crucial part is to address the issue promptly. For that:

  • Open a Dialogue: Communication is key. Engage with “Rundle and Co” directly. Seek clarity, verify the claims, and if valid, discuss possible resolution methods.
  • Check Your Records: Ensure that all your dues are clear. If there’s a discrepancy, present your case with evidence.
  • Seek Counsel: If you’re overwhelmed or unsure, it’s time to seek external help. You are allowed to get help from a financial advisor or someone well-versed in UK debt regulations.

It’s not the end of the world just because you received a ring on your phone or a letter in your mailbox. With the right steps and a proactive approach, dealing with Rundle and Co. can be a straightforward affair.

But with this newfound understanding, what’s your next move? Intrigued?

Find Out if You Owe the Money

Before taking action, it’s crucial to determine the legitimacy of the debt. Ask Rundle and Co. to verify the debt through a comprehensive breakdown in writing. This helps in verifying if the debt is indeed yours and whether the claimed amount is correct.

There have been cases where “rundles harassment” emerged from inaccuracies or mix-ups. Therefore, It is critical to determine the origin and correct value of debt before making payments.

Recall that interest may be applied to the deal, making it appear higher than you recall. If you have questions regarding the debt, call Rundle and Co. Bailiffs Debt Collectors and request proof, such as a copy of the original credit agreement.

You are not required by law to repay them if they refuse to offer proof or do not provide any evidence. To keep your records current, use a letter titled ‘Prove the debt‘ to request proof of your liability to them (remember to keep a copy of that letter to use for future references). Rundle will be less likely to argue about your payments in the future as a result of this.

Is My Debt Statute Barred?

An important aspect to consider is the age of the debt. In the UK, some debts might become “Statute barred” after a certain period, typically six years. There are three conditions your debts need to fulfil simultaneously in order to get a statute-barred excuse. They are as follows.

1. Your debts need to be older than six years from the last day you made a payment.
2. You should not had any provable communication with the original creditors within the six-year time period mentioned in the first condition.
3. You should not have received any court order, such as County Court Judgement (CCJ) within the six-year time period mentioned in the first point.

If these conditions are fulfilled, it means the creditor can’t enforce repayment through the courts. You are not required by law to settle the debt.

But this does not mean your credit history will be cleared as well. It’s the other way around. You will face hardship in getting new loans and credit cards due to the negative impact received from having a statute-barred debt excuse.

Not all debts become statute-barred, such as HMRC debts, which remain recoverable for decades. If your debt is statute-barred, you can explain the circumstances to Rundle and Co. using a letter form or using a debt charity service.

Their consultants can assist you in determining the status of your debt and advising you on your next steps.

What if You Can Pay, but You Refuse to Pay?

While it might be tempting to ignore the debt, doing so can lead to severe consequences. Regular communication with Rundle and Co. can open doors for potential settlements or feasible payment plans. Ignoring them might amplify the “rundles harassment” and result in legal actions.

Debt is a big financial burden that must be managed carefully. It might have an influence on vital payments such as mortgage or rent, and it is critical to repay it. If the debt is unmanageable, it is crucial to establish a repayment plan with Rundle and Co.

You need to make an arrangement to settle the debt with Rundle and Co. Bailiffs Debt Collectors, even if it means making monthly instalments. If your financial condition is dire, you must contact Rundle and Co. and explain your circumstances.

What is a CCJ?

If you refuse to pay a debt you owe, you may face threats and, eventually, legal action, often in the form of a County Court Judgment (CCJ).

A CCJ is a court order confirming your debt and specifying the following:

1. The amount you owe
2. How you should make payments
3. The payee’s identity
4. The deadline for payment

If you fail to pay within one month of the CCJ issuance, it will be recorded in the Register of Judgments, Orders and Fines for a duration of 6 years.

However, if you manage to clear the debt within this period, you can request that your judgment be marked as ‘satisfied‘ in the register. To do this, you must write to the court and provide evidence of full payment.

If you can settle the debt within one month of the CCJ being issued, it won’t be recorded in the register. In this case, you’ll need to notify the court that you’ve paid and provide proof.

CCJs are visible on your credit file for six years. During this time, obtaining credit can be extremely challenging because creditors use your credit file to assess your creditworthiness. If you have a CCJ, it signifies difficulty in repaying debts, which makes you a high-risk customer in the eyes of lenders.

Consequently, they may be hesitant to extend credit to you.

After six years, the CCJ will no longer appear on your credit report, making it easier to access credit once again.

Are Debt Collectors Causing You Stress?

Interactions with debt collectors can indeed be stressful. However, it’s essential to know your rights. The UK has stringent guidelines dictating how debt collectors, including Rundle and Co., should operate. “Rundles harassment” isn’t just unsettling; it might be against these regulations.

Rundle and Co. are known debt collectors that employ deceptive techniques to force people to pay their debts. Their constant contact, unexpected phone hours, and threats can disrupt normal living, causing anguish, sadness, and even suicidal thoughts.

According to the debt assistance trust, up to 50% of those who are in debt may consider suicide. A coroner voiced concerns about debt collectors’ improper practices, which led to a courier’s suicide.

Researchers from Brighton University discovered that debt collectors frequently induce stress and overload, which can lead to mental health problems. As they have made attempts to address the issue of debt collectors and debt concerns, the government has been requested to intervene and take action against these practices.

Rundle and Co. Bailiffs Debt Collectors and What the Law Tells Us

Fortunately, guidelines have recently been enacted by the Financial Conduct Authority (FCA) with the primary aim of safeguarding debtors. According to these fresh regulations, Rundle and Co.

Bailiffs Debt Collectors should:

1. Always ensure fairness in their dealings with debtors, refraining from any harassment, abuse, or threats towards individuals facing financial difficulties.
2. Offer clear and concise information to debtors.
3. Demonstrate an understanding of debtors’ challenges and display empathy.
4. Consider debtors’ specific circumstances when determining debt resolution strategies.

If you find Rundle and Co. Bailiffs Debt Collectors causing you undue stress and failing to adhere to these guidelines, the first thing you should do is initiate a direct complaint with them.

If their response falls short of satisfaction, you have the option to escalate the matter to the Financial Ombudsman Service (FOS) and Financial Conduct Authority (FCA). In certain instances, such behaviour could lead to the revocation of their license. The steps for this process are detailed below.

It’s worth noting that debt collectors may sometimes present themselves as external entities when, in fact, they are an integral part of the organisation pursuing the debt. This practice could be viewed as deceptive, although they may argue that the pertinent details are buried within the fine print.

Do You Want to Understand How Rundle and Co. Bailiffs Debt Collectors Operate?

Below are some of the information on how Rundle and Co. Bailiffs Debt Collectors operate in general.

1. Bonuses Drive Persistence

Debt collectors, such as Rundle and Co. Bailiffs Debt Collectors, often work on a bonus system, incentivising them to collect more debt. Daily or monthly bonuses motivate their persistence in pursuing payments. You have legal protections to deal with their efforts.

2. Empty Threats

Threats from debt collectors are typically empty and should not be taken too seriously, especially threats of legal action.

3. Call Technology Utilisation

It’s advisable to engage with debt collectors when they call and offer some form of payment. Setting up a repayment plan can reduce the likelihood of harassment. Written communication can be beneficial for record-keeping and providing time to gather your thoughts.

4. Addressing Harassment

Excessive or harassing calls are in violation of FCA guidelines. You can inform the agent that you will report their behaviour to the Financial Ombudsman Service (FOS).

5. Changing Attitudes

Debt collectors may start with a friendly demeanour but change when they realise you can’t afford payments. This change shouldn’t lead to abuse or threats, and you can file a complaint if it does.

6. Reporting Abusive Behavior

Although dealing with such behaviour can be difficult, it’s crucial to report it. You can inform the agent that you will report their behaviour to the Financial Ombudsman Service (FOS).

7. Talking to Third Parties

Debt collectors speaking to third parties about your debt is unacceptable and illegal. You have the right to report such incidents to the Financial Ombudsman Service (FOS), even if they’ve spoken to a family member.

Rundle and Co. Ltd. Contact Details

Reaching out directly can sometimes clarify matters. Here are their details:

Website: https://www.rundles.org.uk/
Phone number: 0800 0816000
Email address: info@rundles.org.uk
Address: 53 Northampton Road, Market Harborough
Leicestershire, LE16 9HB
Opening hours: 8:00 am – 6:00 pm Weekdays
8.00 am – 12.00 pm Saturday

How Do I Complain About Rundle and Co. Bailiff Enforcement?

If you believe Rundle and Co. Bailiff Enforcement has acted unreasonably or inappropriately, you have the option to file a complaint. Similarly, if you suspect they have violated any of the Financial Conduct Authority’s (FCA) guidelines, you can also register a complaint.

To start, it’s advisable to address your initial complaint directly with Rundle and Co. to allow them an opportunity to rectify the situation. If you find that they haven’t taken your complaint seriously or haven’t adequately resolved the issue, you can consider escalating the matter.

In the event of a secondary complaint, you can turn to the Financial Ombudsman Service (FOS), which will conduct an investigation. If your complaint is substantiated, Rundle and Co. may face penalties, and you might even be eligible for compensation.

Additionally, if you believe Rundle has violated any guidelines set by the Civil Enforcement Association (CIVEA), you can report their improper behaviour.

While the process of filing complaints with regulatory bodies might seem bothersome, it plays a crucial role in safeguarding both your interests and those of others against unjust debt collection practices in the future.

What if They Threaten to Visit My Home?

Debt collectors sometimes act as if they are above the law and can say and do anything they please, especially since you owe them money. However, this is not the case. They cannot make unlawful threats, such as visiting your home or seizing your possessions. If they make such threats, you have the right to report them to the police.

Never grant them permission to enter your home unless they bailiffs with a warrant or a writ of conduct in hand. These threats are typically empty and are meant to induce panic, but you should not tolerate them – reporting such behaviour is the appropriate course of action.

Are They Trying to Wear You Down?

In a word, yes, they are attempting to wear you down. Debt collectors like Rundle and Co. Bailiffs Debt Collectors can be relentless in their debt collection efforts, hoping that, over time, you will relent and make a payment, even if it strains your financial situation.

It’s crucial to stand firm against this behaviour, though it may require significant strength. While escaping debt is challenging, it’s not impossible, and there are ways to manage your financial situation effectively in the future, often with available free assistance.

Free Debt Help

There are numerous organisations, such as StepChange, National Debtline, and Citizens Advice, dedicated to providing free, impartial debt advice. Availing their guidance can be a beacon in challenging times.

Alternatively, feel free to fill out our online form by clicking here if you want personal help from our Money Advisor Team based on your current financial standing.

Can I Get a Debt Solution?

Yes. you are allowed to seek other ways of solving your debt issue if you find hardship in dealing with Rundle and Co. Bailiff Enforcement or cannot afford their payment plan at all.

In those situations, consider seeking other alternative debt solutions. Various debt solutions are available in the UK. But it’s advisable to consult with a debt charity for guidance tailored to your financial situation as there are unique conditions you need to fulfil in order to get acceptance for one of them.

These solutions include:

1. Debt Management Plan (DMP): A flexible, informal method for repaying debts via a single monthly payment without a binding commitment to a minimum number of payments.
2. Individual Voluntary Arrangement (IVA): A formal agreement between you and creditors where you make regular payments, usually over 5 or 6 years, and the remaining debt is written off at the end. IVAs are suitable for those with multiple creditors and some disposable income.
3. Trust Deed (for Scotland): Similar to an IVA but available in Scotland. Monthly payments are made to creditors. But within this period, your creditors can’t contact you. Plus, your remaining debt will be written off at the end of the agreement period.
4. Debt Relief Order (DRO): Debt Relief Order is a viable option for UK citizens who are facing financial hardship with no assets and low income. During a 12-month period, you make no payments, while creditors freeze interest and cease contact. If your finances don’t improve, you may be able to discharge your unsecured debts.
5. Bankruptcy: A solution for those unable to realistically repay their debts. While it provides a financial fresh start, bankruptcy is a significant step that should be carefully considered.
6. Sequestration (for Scotland): The Scottish equivalent of bankruptcy. If you have minimal income and no valuable assets, you may qualify for a Minimal Asset Process Bankruptcy (MAP), a quicker, more cost-effective version of sequestration.

Explore these options to address your financial difficulties and prevent eviction due to rent arrears. It’s crucial to seek professional advice to determine the most suitable solution for your unique circumstances.

If you’re unsure as to which debt solution is suitable for you, feel free to fill out our online form, and our Money Advisor Team will guide you.

Get Help with Your Debt in Rundle and Co.

If you’re concerned about receiving more debt letters from Rundle and Co. while seeking a solution, the government offers the Debt Respite Scheme (Breathing Space).

This program, initiated in May 2021, provides a 60-day period during which no additional fees, interest, or enforcement actions are applied after passing eligibility checks.

There are two types of Breathing Space to consider:

1. Standard Breathing Space: This is available for anyone dealing with debt problems and offers a 60-day respite period.
2. Mental Health Crisis Breathing Space: This option is for individuals receiving mental health crisis treatment, and it continues for the duration of the treatment, plus an additional 30 days.

Key Points:

  • Rundle and Co. Bailiffs are a UK-based professional enforcement agency.
  • Their role mainly pertains to recovering debts on behalf of businesses or individuals.
  • If you’ve been contacted by “Rundle and Co.” it’s most likely about an outstanding debt.
  • There can be various reasons “Rundle and Co.” might be reaching out, such as overdue payments, discrepancies in records, or potential miscommunications where you might be mistaken for another debtor.
  • Before engaging in any repayment, always confirm the debt’s origin and amount. Rundle and Co. operates under the guidelines set by the Financial Conduct Authority (FCA).
  • It’s essential to understand the available debt solutions and choose wisely to avoid expensive, prolonged processes.
  • Exploring Debt Solutions: Consider potential avenues like Individual Voluntary Arrangement (IVA) or Debt Relief Order (DRO) for relief.
  • However, always consult an authorised debt advisor before making decisions to ensure you’re taking the most suitable route.
  • Rundle and Co.’s Integrity: It’s essential to remember that while “Rundle and Co.” are in the business of debt collection, they are also bound by legal and ethical standards.
  • Knowing your rights can empower you during interactions.

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