If you have received a letter from Rossendales LTD, you may be feeling quite stressed or anxious. The letter may be demanding money for debt and may threaten the action of bailiffs at your door and enforcement.
First off, don’t panic!
You don’t have to go through this alone, and many people can offer money advice and support through the process.
In our ultimate guide to Rossendales, we will go through who they are, what they can do and how this could impact your life. We will help you find the best advice and ensure you have the right support to get you through this difficult period.
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Table of Content
- 1 Who are Rossendales?
- 2 What do they do?
- 3 How can a debt collector affect my life?
- 4 What to do if Rossendales contact me?
- 5 Paying off debts
- 6 List of Debt Collection Agencies UK
Who are Rossendales?
Rossendales are debt enforcement services, which means that they are bailiffs who may be coming to your house due to debt. They were founded in 1972 and recover over £92 million a year for their 150 clients.
Rossendales Bailiffs are often ordered by the county court with a liability order to recover the debt.
What do they do?
Rossendales Bailiffs are well known for their debt collection and work for many businesses and councils around the country.
Rossendales Bailiffs will often come to your home to reclaim the debt. They often will work for city councils, local authorities and many other businesses. This can be to reclaim debt from council tax arrears, parking fines or even tenant arrears.
If Rossendales Bailiffs do arrive at your home then here is some advice it is always helpful to remember -the bailiff cannot enter your home, and cannot force their way into your home.
However, if the bailiffs have already entered your home then they may use reasonable force to enter your home again to recover goods to cover your debt.
Are they a legitimate debt collection company?
Rossendales Bailiffs are a legitimate debt collection company and are registered in England. The team consists of experienced enforcement agents who will usually make sure they do the best to recover your debt.
You will most likely not know who Rossendales Bailiffs are because they will sometimes purchase the debt from their clients. They could be recovering debt such as unpaid council tax or arrears in your home.
If you want further questions about who they are and what they could do then check their website for more information.
What kind of debts does Rossendales chase?
There is a wide range of debts that Rossendales Bailiffs may be chasing you for. These can range from council tax arrears to fines for incorrect parking. We will go through what this debt is and how these problem debt issues can be avoided.
Unpaid council tax is one of the more common reasons that Rossendales Bailiffs may chase debt at your home. If you have unpaid council tax then it is always good to contact your local council and discuss setting up a payment plan.
Paying your council tax is a legal requirement and if it is not paid then there can be some severe consequences.
This may prevent bailiffs from coming to your home and it will also remove problem debt.
This, along with road traffic fines, can often feel like they come out of nowhere. The initial fines will sometimes be quite small but they will quickly grow into large debt over time.
These can be prevented by an early payment paid to the original company.
If you have not paid the rent for your property then you may find enforcement agents visiting your house. This will be because the landlord at your property has contacted Rossendales Bailiffs to recover the money.
If you find yourself in large amounts of rent arrears then make sure you set up a repayment plan with your landlord. This will not only prevent Rossendales Bailiffs from attending your house but it will also prevent you from becoming homeless.
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Do they hold any legal powers over me?
Rossendales are usually ordered by the courts to attend your home with a liability order due to some long-standing debt. When these bailiffs arrive at your house they must follow very specific rules set in law.
The bailiff will need to attend your property during 6 am and 9 pm and must give you at least seven days notice to you in writing. The bailiff cannot force entry into your home. However, once Rossendale have had access once they can then ask a locksmith to change your locks to gain entry.
Other than this they do not have any further legal powers over you. If you think that perhaps it is too late to pay money towards the debt, it is important to remember that it is never too late.
Why am I being contacted by a third-party debt collector?
The reason you are being contacted by a third-party debt collector like Rossendales is that you have an overdue debt due to a company. This is most often due to a council tax debt, but maybe due to other fines related to your housing or parking.
If you are being contacted from Rossendales specifically, then you may have been avoiding this debt for a while. It has now got to a point where bailiffs may visit your house.
How do I contact Rossendales Bailiffs?
There are many ways you can get in touch with Rossendales, so if you’re stressed about the letter then don’t worry. You can call them on 0333 320 2158, or email at [email protected] Before contacting, you should always get in touch with a debt advisor, to make sure you truly owe the debt.
One positive that may come from ringing Rossendales is the possibility of setting up a repayment plan. The sooner this is done you could avoid a bailiff coming to your house and you can avoid further court fines.
As well as this, you may be able to get some debt advice to try and help you get out of this situation.
How can a debt collector affect my life?
There are many ways that a debt collector can affect your life. Firstly, a debt collector may take you to court for the debt which could involve a high level of court costs. The court may order the money to be paid back through a county court judgement.
If this is not successful then the issue may be forwarded on to a bailiff such as Rossendales. They will often come to your house to ask for money. This can be a very stressful experience.
Always remember that there is debt advice readily available. If you need help with local authorities or people demanding money, then you do not need to stress about the details on your own.
What to do if Rossendales contact me?
If Rossendales Bailiffs contact you, you should set about doing the following;
Seek debt collection assistance
If you are struggling with your debt and you feel you are at risk of a visit from a bailiff then now is the time to seek money advice. There are many people out there willing to help you with an experienced money advice service.
The team can give you advice on what the enforcement letter really means and how you can move forward to contributing to the debt.
If Rossendales contact you regarding debt then remember that there is always help available.
Check if the debts you owe are legitimate
When you receive an enforcement letter, the first thing you should do is check if the debt is something that you owe. Before you make any payment, our advice is to check if it is actually your debt.
This is because sometimes services like Rossendales can attempt to contact a few people to try and reclaim the debt. This means there may have been a mistake.
If the enforcement letter is in regards to a council tax debt then you may want to contact the council directly. They will offer you help even if it has progressed to bailiffs.
Write off 80% of debts
If you are in a position where you feel that you can not pay back the debt and that you are suffocating from the number of services getting in touch. You may want to get some further help.
There may be a chance you can write off 80% of your debt through an IVA. You can visit a debt management agency or debt advisor that will help you through the process and advise you what the best option is.
These arrangements can prevent further enforcement at your house.
Paying off debts
If you can afford to pay
If you have the money available to pay back your debt immediately then we would strongly recommend this. If you are certain that the debt owed is yours then paying now can prevent further action.
You could be avoiding costly court fees and a visit from the bailiff team. Which will definitely avoid a lot of stress and anxiety.
It is also really helpful to remember that you may not have to pay the whole debt back in one go. You can spread the cost over a period of time to ensure that you do not struggle.
If you can’t afford to pay
If you cannot afford to clear the debt then you do not need to worry. If your finances do not allow yourself to clear the debt and a payment plan is also too expensive. There are other options.
You could easily avoid a visit from your local bailiff by finding some financial help.
You could potentially write off up to 80% of your debt by contacting a debt management service. They will set up an affordable payment scheme with you and ensure that your debtors will not contact you again.
This does not have to be a stressful experience and there are many people here to help.
Can pay, but won’t?
If you have the money but you don’t feel like you want to pay the debt back then you are putting yourself at high risk. Council tax is a legal payment and must always be paid. The council has the power to send tough enforcement to reclaim the council tax debt.
If you have a history of not paying your debt to the council then there is also the small possibility of a prison sentence. Though this is rarely used.
You also put yourself at risk of large fines from the court. The court can enforce CCJ’s or ask bailiffs to attend your property.
If you want to remove this risk, the only way to do this is to create a plan to pay off your debt or to contact a debt management service who can look at other options.
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