Can a High Court enforcement officer break into my home?
HCEOs will try to enter your home to look for goods but they can’t force their way in on the first visit. This means they can’t push past you, put a foot in the door to stop you closing it, or climb through a window or skylight.
However if they’ve previously been in your home, and listed goods in a controlled goods agreement, they can use force to come in again if you don’t pay them.
The rules are different at commercial premises. If you run your own business the HCEO can use force to break in to the business premises if you don’t let them in.
What should I do if a High Court enforcement officer contacts me?
If you can afford to pay the debt in full before the HCEO first visits the property, you should do this. This will keep the costs to a minimum.
If you can’t afford to pay the debt in one go you’ll need to make an offer to pay it off in instalments.
You should send your offer of payment in writing to the HCEO and directly to the creditor. Enclose a copy of your budget. You should start making payments at the rate you’ve offered, even if the HCEO hasn’t replied.
If they refuse your offer of payment you may need to consider increasing it, especially if the HCEO has visited and taken control of your goods.
If you need help putting together a budget and working out what to offer to the HCEO contact us.