If you live in England or Wales and your creditor has a County Court judgment (CCJ) against you, in some cases they can use a High Court enforcement officer (HCEO) to collect the debt.
If you live elsewhere in the UK, see our pages on Scottish court action or Northern Irish court action for what creditors can do in your country.
The HCEO is a type of enforcement agent or bailiff. They’ll visit your property and if you don’t make an agreement to pay the debt they can remove goods to sell at auction.
A creditor can use HCEOs if:
- You have a CCJ and you’ve not made the payments the court told you to in the judgment
- Your debt is over £600
- Your debt is not regulated by the Consumer Credit Act
This means HCEOs can’t enforce debts like credit cards, overdrafts, payday loans or personal loans. But they can deal with non-regulated debts such as utility arrears, business debts, tribunal awards or old rent arrears.
If you’ve had a visit from a HCEO officer, or a letter saying they’re going to come, call us for more advice straight away. This is a sign that you need help dealing with your debts. A HCEO will usually act quickly and can be difficult to deal with on your own.