Are you feeling anxious about the possibility of a Shergroup Debt bailiff arriving at your doorstep? If so, you’ve found the perfect resource. But how exactly should you handle reachouts from Shergroup? Keep reading to find out.
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Who Are Shergroup Debt Recovery Solutions?
Shergroup, a prominent player in the UK’s debt recovery landscape, is more than just a name. They are experts in enforcing court orders and assisting creditors in recovering unpaid debts.
But what really sets Shergroup apart in the field of debt recovery? Their services extend beyond mere debt collection; they also provide crucial cash flow assistance to businesses. This unique approach has garnered mixed Shergroup reviews, with creditors often lauding their effectiveness while debtors express varying opinions.
They also chase debts that are subject to a court order. In this case, their enforcement officers have the right to visit the debtor’s home and seize their assets. They will then sell these debts at an auction to recover the debt.
Is Shergroup High Court Enforcement?
Yes. As a recognized authority in the UK, Shergroup enforcement plays a pivotal role in executing High Court orders. This means if your debt is under such an order, Shergroup has the legal backing to enforce it.
Can I Ignore a CCJ?
Ignoring a County Court Judgment (CCJ) isn’t wise. Here’s why:
If you neglect a CCJ, don’t respond to the letter, or fail to arrange a payment plan, it triggers further action. The court might send a bailiff from Shergroup to enforce the CCJ and collect the debt. Shergroup bailiffs will give you a 7-day notice before visiting. They also add fees to your existing debt.
You might arrange a repayment plan with the Shergroup bailiff. However, if you don’t pay it on time, they can take your valuable items. They can’t force entry into your home, but they have the right to take items that are outside your house, such as your car.
The court’s reach goes further. They could:
You might also be required to attend a court hearing to discuss repayment plans based on your income. Skipping this hearing isn’t an option. This is because it can lead to imprisonment.
So, ignoring a CCJ comes with serious repercussions. Engaging with Shergroup or seeking legal advice early can prevent these drastic measures. But make sure to take action before it’s too late.
How to Avoid Shergroup Enforcement?
The best way to avoid Shergroup Enforcement and bailiffs is by avoiding getting a County Court Judgement (CCJ). The most straightforward way to avoid a CCJ is by keeping up with your debt repayments.
If you’re finding it difficult to make the payments, you can request a repayment plan. You can also take up a debt solution. But note that while the right one will help you to write off debt, choosing the wrong one will be expensive.
This is why it is important that you get some advice from a debt charity before you make the decision. Alternatively, feel free to fill out our online form, and our MoneyAdvisor team will guide you.
Some debt solutions that you can consider taking up are as follows:
- Debt Management Plan (DMP): A DMP is an informal solution allowing you to pay off debts with a single monthly payment
- Individual Voluntary Arrangement (IVA): An IVA is a formal agreement between you and your creditors. You pay a monthly sum, and in return, creditors agree not to contact you. After 5 or 6 years, your remaining debt is cleared.
- Trust Deed: If you’re in Scotland, a Trust Deed is your alternative to an IVA. It operates similarly.
- Debt Relief Order (DRO): For those facing financial hardship, a DRO offers a year of no payments, with creditors freezing interest. But what happens if your finances don’t improve in that year? You can get your debts written off!
- Bankruptcy: As a last resort, bankruptcy might be the way to reset financially. It’s a serious step, so do not take it lightly.
- Sequestration: Similar to bankruptcy, sequestration is the Scottish variant. A minimal asset process bankruptcy (MAP) is a simpler solution.
Each solution has its nuances. Speaking to a debt charity can help you navigate these options. But remember, taking action early can prevent the need for Shergroup’s involvement.
Shergroup Enforcement Reviews
Shergroup enforcement reviews paint a diverse picture. While creditors may share positive experiences, debtors’ perspectives vary. This disparity in reviews highlights the complex nature of debt recovery. Some of their reviews are as follows:
“We have worked with Shergroup for over 5 years now, and they have successfully recovered debt from many of our customers. Some recoveries take longer than others due to the individual complexity of each case. However thorough explanations and realistic deadlines are given…read more” –Jade Claxton
“I have used Shergroup for a number of years and always find them very professional and effective in everything they do. Very easy to deal with and great reports and update…read more” –Julie Gibbins
“Did the basic, got the high court writ but failed to retrieve my dues. Not sure they put 100% effort into recovery, just go through the motion and then ask for more cash to keep going through the motions…read more” –Ben Wood
Can Shergroup Enforcement Come to My House?
Yes, Shergroup Enforcement can come to your house if you have a debt with a court order requesting you to pay it, but you haven’t. But note that they cannot come to your house without sending you a Notice of Enforcement.
This letter gives you 7 days to make a decision. This includes:
If you don’t cooperate and don’t do any of the above, they have the right to come to your house and take valuable goods in order to recover the debt. But note that even after they do this, you still have time to pay until they sell them. But if you don’t, they will auction it and get the money.
Should You Pay Shergroup Debt Recovery Solutions?
Yes, if Shergroup collection sends you a Notice of Enforcement, you should pay them. Note that ignoring them will only increase your fees. Also, the moment they get involved in your debt, you will have to pay a debt recovery fee.
For example, county court bailiffs charge a fixed fee:
- Notice of Enforcement- £75
- Debt enforcement- £235
Note that the amount charged for enforcement can vary. If your debt is more than £1,000, 7.5% extra will be charged.
So, if you have a £2000 debt and you don’t pay it, you should pay:
- Notice of Enforcement- £75
- Debt Enforcement- £235
- Debt above £1,000- £150
Total: £460
How Do I Halt Shergroup Bailiffs?
It’s not possible to halt Shergroup Bailiffs unless you’re a vulnerable individual. If you’re a vulnerable person, they cannot enter your home. You will be classified as a vulnerable individual if:
Shergroup Ltd Contact Details
Having direct contact information for Shergroup can be invaluable in resolving disputes or seeking clarification.
| Website: | https://shergroup.com/ |
| Email: | hub@shergroup.com |
| Phone number: | 020 3588 4240 |
| Address: | Shergroup Ltd, 20 St Andrews Street, Holborn, London EC4A 3AG |
How Do I Complain About Shergroup?
In a case where Shergroup Collections mistreats you in any way, note that you have the right to report them. You don’t have to tolerate any kind of inappropriate behaviour, such as harassment, bullying or threats. If they break any of the guidelines of the HCEOA (High Court Enforcement Officer Association), it is also a valid reason to report them to the relevant authorities.
The complaint process first starts off with you making a direct complaint to Shergroup. This will give them the chance to look into the matter and resolve it. But if they refuse to accept it or don’t provide you with a response, you can report them to the HCEOA.
They will look into the issue and will take action if they are found guilty, Such as:
The Impact of Shergroup Bailiffs on Your Credit Score
Dealing with Shergroup can indeed impact your credit score. Before Shergroup steps in, your credit score may already be dented. Missed payments or defaults with your original creditor tarnish your credit history.
Once sold, your debt appears as a collection account on your credit file. The original debt is marked ‘sold’, which is not a good look on your report. If a second collection entry isn’t added, the original debt entry might be updated with the collector’s information. These entries negatively affect your credit for 6 years, limiting your access to certain credit products.
This situation flags you as a high-risk customer to companies. Struggling to pay bills on time, especially with a CCJ, signals financial instability. But how does a CCJ add to this challenge?
A CCJ indicates severe repayment issues. If you also face earnings arrestment, it shows a continued inability to meet debt obligations.
Negative entries remain visible for 6 years, affecting your ability to obtain credit. After 6 years, these entries vanish from your credit report, possibly easing your credit acquisition.
Any debt solutions you adopt also show up on your credit file for the same duration, influencing your score. Once this period ends, your financial standing may improve.
How To Handle A Shergroup Debt Collection Letter
Shergroup Collections might send you a payment request. This is typical for debt collection agencies working on behalf of businesses. It’s part of their cash flow service. These letters don’t just ask for payment or propose a payment plan. They might also include legal threats if you ignore them.
Sometimes, they might be empty threats, and Shergroup might be doing it only to pressure you into paying. But this is not always true. They might send legal threats with the intention of taking you to court if you don’t pay. But there are ways in which you can handle debt collection letters from them.
There are ways to respond to a Letter Before Action (LBA) without immediately paying Shergroup.
You can ask Shergroup for evidence of the debt, such as a copy of the credit agreement. This request might slow down the process, potentially giving you a reprieve. Note that this is not the only reason why you should request proof. Even debt collection companies can make mistakes.
So, there is a chance that they might be reaching out to you, assuming that you’re someone else. They might even have the wrong address. So, if you don’t request proof, you might end up paying someone else’s debt. So, this is why it’s crucial that you request proof.
In order to do this, you can send a ‘Prove the Debt’ letter. Shergroup should reply to you with the original credit agreement. If they fail to provide proof, you might not have to pay.
If the debt is too old, it may not be enforceable. If your debt falls into this category, it technically exists but cannot legally be enforced. In order for a debt to be statute-barred, it should meet the following criteria:
- You have not made any payments in the last 6 years (5 years in Scotland)
- You have not admitted to owing the debt in the last 6 years (5 years in Scotland)
- You have not received a County Court Judgement (CCJ) for it
Not all debts become statute-barred. For example, HMRC debts remain enforceable for longer, and debts with a CCJ during the 5 or 6-year window are enforceable for the CCJ’s duration.
If in doubt, contacting a debt charity for advice is a wise step. Their advisors can review your debt, determine its status, and guide you on the best course of action.
Shergroup Enforcement and Vulnerable Individuals
An individual that might find it difficult to deal with their situation is a vulnerable individual. A debt collection company, bailiff, or creditor is aware that a person is vulnerable. They should show extra care when handling them. They should not experience any disadvantage because of their situation.
A few examples of vulnerable individuals who might require extra support when dealing with debts are as follows:
- A person with mental health problems
- A person with a recent bereavement
- A person with a long-term illness or terminal health issue
- A person suffering from brain injury or dementia
- A person with a learning disability
- A person dealing with addiction
- A personal with language barriers
If you or someone you know is vulnerable, you should inform the bailiffs. Note that it is best you do this without delay, as it will stop further visits and fees.
When you reach out to them, you should inform that:
- You’re vulnerable
- You will find dealing with them much more difficult in comparison to another person.
- They should stop visiting as it will cause further distress to you.
Also, make sure to inform them if receiving a letter or visit could worsen your situation. This is especially important in situations where you’re dealing with a mental health problem or a heart condition.
Always note down what they agreed to. If they break any rules, this will help with the complaint process.
Additional Help Dealing With Shergroup Ltd
Facing debt recovery alone can be daunting. What resources are available for those seeking additional support in dealing with Shergroup? From debt charities to legal advice, exploring these options can provide a lifeline in challenging times.
So, if you’re struggling with debt, feel free to reach out to the following debt charities:
- National Debtline
- StepChange
- Citizens Advice
- Debt Advice Foundation
Key points
- Shergroup are experts in enforcing court orders and assisting creditors in recovering unpaid debts.
- Shergroup enforcement plays an important role when it comes to executing High Court orders.
- Shergroup Enforcement can come to your house if you haven’t paid a court-ordered debt.
- Receiving a Notice of Enforcement is a strong indication that you should pay them. Note that ignoring them will only increase your fees.
- The best way to avoid Shergroup Collection is by avoiding getting a County Court Judgement (CCJ). If you want to avoid a CCJ, pay your debts on time.
- If you’re finding it difficult to make the payments, you can request a repayment plan. You can also take up a debt solution.
- It’s not possible to stop Shergroup Bailiffs unless you’re a vulnerable individual. If you’re a vulnerable person, they cannot come into your home.
