Steps to cover before you call us in to help with repossessions

Before instructing an enforcement agent to help with repossessions, those owed money should take the following steps to ensure that debt can be successfully recovered through repossessions of goods.

1. Establishing how much is owed and documenting contact

Establishing the sum of money owed by the debtor, and the dates when the amounts should have been paid provides some of the information that court procedures require. Collating documentation of contact between you and the debtor, including phone calls, emails, and letters regarding the debt will show that reasonable effort has been made to recover arrears.

2. Begin legal proceedings

Once the sum of money owed has been established, you will need to take action and make a court claim for money. This can either be done online using the Money Claim Form or by filling out and posting a claim form. If payment is not agreed outside of the court, then the court can order the debtor to pay, and if payment is not made, then the court can enforce the judgement. Once the court enforces the judgement, you can begin proceedings to recover the debt using an enforcement agency and a ‘warrant of control’ providing the sum owed is £5,000 or less.

3. Consulting with an enforcement agency

When you need to instruct an enforcement agency to recover debt, you need to establish the procedure they will take to recover sums owed. As certificated enforcement officers, Able Investigations, will follow procedures that mean that the debt is recovered in compliance with the law.

4. Instructing an Enforcement Officer

Upon instruction, an enforcement agency can act quickly begin repossession procedures by making a request for payment within 7 days. If the debt has not been paid within that time period, then an officer will visit the debtor’s business or home to seize goods to be sold to pay the debt.If you require assistance in recovering monies owed and repossessing goods then Able Investigations can help. To find out more information about how we can help with repossessions in Bristol, please speak to a member of our team by calling 0845 370 7401.

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