Help & Guidance for Debtors

There are a few ways you can make payment towards your debt:

• Pay online here
• Pay direct via bank transfer
• Telephone our office and use our automated payment line or speak to an advisor

Our bank details

Account Name: Cerberus HCE Limited t/a Wilson & Roe

Account Number: 16281713

Sort Code: 16-00-18

Remember to use your Writ number as a reference on all payments to ensure that it is allocated correctly to your case.

The creditor is the person or business that you owe money to.

If you have been contacted by us or visited by one of our enforcement agents, this means that the Court has awarded a Judgment for the debt.

When you receive a Notice of Enforcement, you have seven clear days to either pay your debt in full or an attendance will be made by an enforcement agent.

Please note that a Compliance Stage Fee has been added to your debt at this stage, as required by law.

Your address has been given to us by our client, so we will need you to provide documentation that proves you are the new occupier.

Please contact us to discuss this so we can prevent further enforcement action at your address.

If you don’t pay in full within the timeframe given on the notice, an enforcement agent will visit your property to collect payment or take control of goods to the value of your debt.

You will also incur further charges which will be added to your outstanding debt.

People can be vulnerable for lots of different reasons, and we understand that this may mean you need some extra support during the enforcement process. You may also wish to seek independent advice from one of the organisations listed at the bottom of this page.

Please be aware that your debt remains payable.

To help us understand your personal circumstances, please email copies or clear photographs of any documents that could evidence your vulnerability.

Once this has been received, we will then be able to discuss with you how your case will proceed.

It’s important that you don’t ignore our correspondence. Please speak to the enforcement agent or contact us as soon as possible so we can talk through your options.

There are many organisations that offer independent advice, you can find them at the bottom of this page.

It is not possible to set up a payment arrangement during the Notice of Enforcement period, but payments can be made.

If you would like to discuss payments towards your debt, please contact the enforcement agent that has visited your property.

If you have made a payment arrangement and have missed (or think you may miss) one of the scheduled payments, please contact us as soon as possible.

Defaulting on a payment plan may result in further enforcement action and additional fees being added to your debt.

Fees are chargeable at each stage of High Court Enforcement; this is set by legislation.

Costs are also added by the Court when the matter is transferred to the High Court for enforcement.

Making prompt repayment will help to minimise the added fees and interest.

If an enforcement agent has visited your address, it is important you speak with them to discuss clearing your debt.

If you were not at home when the agent attended, they will have left a notice with their contact details. You should contact them straight away.

Yes. If you are unable to pay in full or cannot reach an agreement for a payment plan, a High Court enforcement agent is able to enter your property and take control of goods.

They can take assets to cover the amount of the Judgment debt, along with any additional fees and interest.

If you have received a Notice of Eviction, this means that the High Court has issued a Writ of Possession which gives a High Court Enforcement Officer the power to repossess property or land.

If you are at risk of homelessness after the eviction, there are many organisations that can offer independent advice. You can find them at the bottom of this page.

You can ask to see a copy of the enforcement agent’s ID, as well as reviewing any documents provided to find the unique case reference number given by the court. Both the enforcement agent’s name and the reference number can be validated by Wilson & Roe.

To make a complaint, please email wr@wilsonandroe.com. You will receive an acknowledgement of the complaint and a response within 14 days.