The Ultimate Guide to Constant & Co

Have you been contacted by Constant & Co, informing you of outstanding debt?

Are you concerned and confused about your next steps?

You are in the right place!

Do Not Speak to Constant & Co Until You Know About This

Figuring out debt solutions can be a nightmare, but having an enforcement agency- such as Constant and Co- demanding money, can be even scarier.

Continue reading our complete guide to expanding your knowledge on all the essential aspects when dealing with an enforcement agency like Constant and Co.

Who is Constant & Co?

Constant and Co is a nationwide enforcement agency from Kempston.

This specific enforcement company will operate and completes duties such as:

Debt recovery
High court enforcement services
Traveller evictions
Residential and commercial evictions
Repossessions
Security services

Constant and Co have been carrying out their important duties since 1973 as an ex-police officer, Bryan Constant, established the business.

Why are Constant & Co contacting me?

It is without a doubt that you are questioning why an enforcement team is contacting you.

The short answer would be that you have a debt with another company, and Constant and Co are chasing this debt for them.

Constant and Co will be carrying out the work to resolve your debt situation.

The enforcement work pursued by Constant & Co is advised by the court to resolve the case.

If this company has contacted you, you should have a date and time informing you of the short time they will arrive on-site at your address to conclude the situation.

Who does Constant & Co collect for?

Constant and Co is a fairly large company, meaning that they have many collection reasoning’s. Here are several reasons why they might be getting in touch with you:

Council tax
Sundry debt
Non-domestic rates
Traveller removal
Rough sleepers
Squatters
High court

They are constantly striving to complete their jobs to be very demanding on the needed payment figure.

Are they a legitimate company?

Unfortunately, Constant and Co are a legitimate company, authorised and registered in England and Wales.

Knowing that this company is legitimate should make you aware that everything they state to you and act upon is serious.

They hold a certificate for the ability to enforce action to control debt recovery. This particular certificate was granted by a judge at the county court and showed the company as a certificated enforcement agent.

Should I pay Constant & Co?

Once you have received your enforcement notice, you should act accordingly and attempt to pay instantly.

If you leave your payment for a long time, your debt will likely be more serious.

The business can take enforcement action as bailiffs if you do not pay.

You are legally required and responsible for paying the debt you owe, and an enforcement fee may be charged if you take too long or refuse to pay.

I can’t afford to pay- what can I do?

Commonly, customers cannot repay the debt they owe, so you should not feel alone in this situation.

Debt solutions can be difficult to find and having Constant and Co collect debt across the country can pressure you.

The business must keep in mind that they are collecting from human beings that will need support and advice from the team to pay.

Constant and Co will likely help customers struggling by putting a payment plan in place to get the amount back.

The payment plan will usually be a monthly payment instalment process, making the repayment smooth and steady.

You should keep in mind that occasionally a payment plan, being a debt relief order, will be incorporated with a controlled goods agreement so that the Constant and Co bailiffs can take away some assets if you fail to keep up with your payment plan.

There are other options you can tale when unable to pay your bills:

File for bankruptcy
Submit an application for a debt relief order
3rd party debt management strategies

What will happen if I ignore Constant & Co?

If you are ignoring Constant and Co or refusing to pay your council tax arrears, court fines, parking fines, etc., you can expect this company to take action.

You should expect an enforcement notice and, in time, an essential visit from the bailiffs.

You should understand that if the enforcement team does show up at your home, you do NOT need to let them inside.

The only way that Constant and Co’s entry can be forced is if they have been inside previously, they will not be able to enter your homes:

Between 9 pm and 6 am
If there is anybody vulnerable, disabled, or under the age of 16 inside
By forcing past you
Through anything other than a door

As this company has a legal enforcement certificate from the county court, they are legally allowed to remove some of your belongings from your home that may equate to a similar amount of your debt.

What is the chasing process?

The chasing process should begin with a phone call or letter from their team, expressing to you the amount you currently owe and any penalty fees. This letter will also state a date that this must be paid.

Next, you should expect a visit from the enforcement team requesting the payment in full.

They will then inform you that they will seize items from your property that will be of equal value to your debt.

A county court judgement will be issued if you do not pay the debt off by the time advised.

Find out how to get your CCJ discharged.

Do Not Let Constant and Co Into Your House Until You Know About This

Find Out More

What can Constant and Co do?

Constant and Co has the legal authority to remove and sell your home belongings if you refuse to pay your debt.

They are also allowed to do this if you are ignoring the company or can not pay.

The company can also bring in a county court judgement if you continue to refuse the payment.

What items can they take from me?

There is a wide range of items that Constant and Co are legally allowed to remove from your property; here is a list of items you should be aware of:

Cars
Jewellery
Luxury items
Television/ games console
Antiques
Cash
Joint-owned items

What items are they not allowed to take from me?

As well as the items Constant & Co can take, some items they are prohibited from taking.

Here are some items that this company can not take:

Work tools/ equipment
Cooker/ fridge
Lighting/ energy
Pets
Items belonging to somebody else

What happens to the items that are taken from me?

To begin with, you will find that the said items will just be listed so that the company can organise how much money they can make further in the process.

This process is known as the ‘Controlled Goods Agreement’. It is usually set in place to intimidate customers, showing them that they can potentially lose their possessions if they do not pay.

The next step of the seizing course will consist of seizing the goods and storing them in a storage unit.

Once the items are secured in the storage unit, you will have a short time to pay before Constant and Co begin selling your items or auctioning them.

The money made from the possessions sold will pay off your debt, and the extra charges come from this.

All enforcement officers see this as a last resort. Therefore, this will only occur if the matter has gotten very serious and they do not believe you will pay any time soon.

What rights do Constant and Co have?

Understanding the rights that Constant and Co hold is very important as they have a code of conduct they might go against, leading you to be able to complain and take action.

So, what legal rights do Constant and Co have?

You can check them out in this list we have created:

They can call you
They can write to you
They can visit your address
For larger debts, they can issue a statutory demand (£5000 and over)
They can apply to the court to have a default registered on your credit file- affecting your credit rating.
They are allowed to give additional charges, depending on your original agreement.

If Constant and Co do not comply with their rules and regulations, you should take action and contact them to discuss matters.

Continue reading to learn how to contact Constant and Co.

What rights do I have against Constant & Co?

You also have rights when complying with businesses like Constant and Co!

Reading this ultimate guide will inform you of the rights you have.

Here are some points you should note when dealing with this enforcement action:

Constant and Co employees are prohibited from speaking about your debt to any of your friends, neighbours, or family members (this is a private matter and will go against the UK data protection law).
They cannot use complicated jargon in a way to have power and confuse you.
Employees can not tell lies about your debt or be threatening and abusive.
They cannot harass you, they are allowed to contact you as many times as they would like as long as this is not in a controlling, tormenting way.
The bailiffs are not allowed to access the property of elderly or vulnerable clients.

Are there any bailiff fees?

Bailiff fees exist, but the amount they charge is completely based on the situation.

The fees that the enforcement agency will charge are based on the goods agreement and the regulations beneath it.

You will be charged through three separate aspects and stages:

Compliance– £75
Enforcement– £235
Sale of goods– £110

The charge of each stage in the process is limited to ONE time only, meaning that if the officers repeatedly arrived at your home, you will still only be charged once for this.

Fees can be priced at an extortionate rate. Our advice would be to pay as soon as possible to protect yourself from the launch of heavyweight charges.

Get in touch with Constant and Co?

You can get in touch with Constant & Co today to resolve your current debt.

You can get out of the dark today!

Here are some of the details you can use today:

Phone– 01234 340091
Email– [email protected]
Address– First Floor,
Woburn Court,
2 Railton Road
Kempston, Beds
MK42 7PN
Website– https://www.constantandco.com/index.php

FAQs

How long can a debt be enforced?

Most debts will have a time limit of 6 years since the last time you were in contact with the enforcer.

If you have mortgage debt, the time limit is then 12 years.

Can I go to prison for debt?

The type of debt will determine whether you can get sent to prison.

Some types of debt, such as child support or taxes, are federal crimes, meaning you can be imprisoned for this.

Can my debt be written off?

Your debt can be considered for a write-off by the creditor if they believe that you are in a situation where continuing the debt will not be successful.

Summary

In this large world, there are worrying issues that can come from it and being in debt is one of these. Receiving the right support and knowledge is crucial to keeping on your top form!

Understanding all the rights you and this company has is incredibly important. Hopefully, this ultimate guide has given you a wider insight into what you can do being in this situation.

Make sure to contact a debt help agency to find a suitable debt solution that may help you work your way out of debt before it becomes persistent debt.

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