Jacobs-debt collectors or bailiffs?

Options
Hi sorry if Erin section but looking for some advice. Are Jacobs debt collectors or bailiffs. They have been twice to my house for my husband saying he owes £132.10 (from a housing benefit overpayment in 2015 apparntly) he has left two letters last one saying 'notice of further attendance final notice' and 'if you fail to contact me I will have no option but to organise further recovery proceedings'

Comments

  • sourcrates
    sourcrates Posts: 29,026 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    Options
    Hi,

    Jacobs act as both debt collectors, and enforcement agents.

    I suspect they will be acting as debt collectors in this case.

    Do you agree that you owe this money, or do you wish to dispute it ?

    If the former, you need to write, not phone, and propose a payment plan with them.

    If you dispute the debt, then also do that in writing, and CC a copy to the DWP and start a formal complaint.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • staciiee
    staciiee Posts: 42 Forumite
    Options
    He does dispute the debt but we don't have proof. On the letter it does say enforecement agent?
  • sourcrates
    sourcrates Posts: 29,026 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    edited 4 March 2017 at 12:43PM
    Options
    staciiee wrote: »
    He does dispute the debt but we don't have proof. On the letter it does say enforecement agent?

    On what grounds are you disputing it ?

    Whatever they are, you should contact the DWP straight away and sort this out.

    Also ask them to call Jacobs off whilst its been dealt with.

    https://www.gov.uk/benefit-overpayments/when-repayments-have-to-be-made

    They will be acting as good old fashioned debt collectors in this case, otherwise they would of added their enforcement fees to the debt, a debt must be a certain level before it can be escalated to the high court, and yours is way below the threshold, so dont panic.

    Debts below £600 can only be enforced by County Court Bailiffs, and thats only after a CCJ has been issued. Judgments for debts of £5,000 and over can only be enforced by an HCEO.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • fatbelly
    fatbelly Posts: 20,710 Forumite
    Name Dropper First Anniversary First Post Cashback Cashier
    Options
    Local council - it's Housing Benefit.

    Councils can get a court order quite easily on HB overpayments - they mis-use a form intended for enforcement of tribunal decisions. There is no right to a defence. That may have happened here but the sum does sound a bit low.
This discussion has been closed.
Meet your Ambassadors

Categories

  • All Categories
  • 343.8K Banking & Borrowing
  • 250.3K Reduce Debt & Boost Income
  • 450K Spending & Discounts
  • 236K Work, Benefits & Business
  • 609.1K Mortgages, Homes & Bills
  • 173.4K Life & Family
  • 248.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards