CDER group text messages and emails

Hello
Over the past few days, I have received three quite threatening text messages and two emails from CDER group. They stated that they had recently attended my address, and were now going to return to HMCTS to apply for a warrant to force entry to my home unless I paid a balance of over £600 by 11pm that night. The latest text, which I received today, stated it related to a financial penalty HMCTS had imposed.

I have had no letters or visit to my current home about this, which initially made me wonder if this was genuine or a scam. However, it appears from searching online that CDER  Group are a genuine company collecting debts on behalf of HMCTS. This makes me wonder if they have been to my previous address, as I moved to my current address in July 2019 and am on the electoral roll.

I have absolutely no idea what this debt would even be for. I have never been to court in any capacity and have never heard anything about it until now. I feel I need to contact CDER, but am conscious and and extremely concerned about the prospect of visits to my home from bailiffs with a two month old baby in the house and don't know what to do. As a bad coincidence, this couldn't be happening at a worse time as I'm currently undergoing treatment and counselling for my mental health.

Can anyone suggest the best course of action?

Comments

  • sourcrates
    sourcrates Posts: 28,854 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    First step is to contact HMCTS and find out if it’s genuine, if it is, try and make arrangements directly, you don’t want the bailiffs knowing your current address to be fair.
    It is one of the few debts they can force entry for, but normally they only use that as a last resort.
    If you have to deal with the bailiff, do not be pressured into paying more than you can afford, be firm, also be aware that threats to take goods to cover the debt are common, in reality it only happens if you have significant assets worth money, they do not want to go to the trouble of removing goods, but will use the threat of it as leverage, be ready to deal with them.

    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
  • thank you, i will try and make contact with HMCTS today. I'm worried that they will say I have no option but to deal with these bailiffs but to be honest I'm even more worried that I have committed some sort of crime/received a court fine that I have no idea about. 
  • C95
    C95 Posts: 8 Forumite
    First Anniversary Name Dropper First Post
    Hi @Quizzical2020
    Could you please update here if you had any luck with HMCTS? I am in word for same situation as you and have no idea what this about. 
    How did you contact HMCTS to confirm if this is genuine? And what happened with this? Thanks.
  • Ebe_Scrooge
    Ebe_Scrooge Posts: 7,320 Forumite
    Name Dropper First Anniversary Combo Breaker First Post
    C95 said:
    Hi @Quizzical2020
    Could you please update here if you had any luck with HMCTS? I am in word for same situation as you and have no idea what this about. 
    How did you contact HMCTS to confirm if this is genuine? And what happened with this? Thanks.
    This thread is two years old, and the OP has not been back on this site since their original question.  I doubt very much you'll be getting a reply from them - you'd be much better starting your own thread and letting people assist you from there.

Meet your Ambassadors

Categories

  • All Categories
  • 343.1K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 607.9K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards