Bailiffs / Rundle & Co Ltd
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Bailiffs / Rundle & Co Ltd
Rundle & Co Ltd are a bailiff company based in the heart of London. Their registered office is located at Peninsular House Floor 9 Peninsular House, 30-36, Monument Street, London, EC3R 8LJ, United Kingdom. The company operates under the registration number 03231767 and is authorised by Stafford Combined Court Centre to act as certified bailiffs.
As a bailiff company, Rundle & Co Ltd specialise in debt collection and enforcement services. They work on behalf of creditors, local authorities, and courts to recover outstanding debts and enforce court orders. Their role involves visiting properties, collecting payments, and in some cases, seizing goods to satisfy unpaid debts.
Receiving a letter from Rundle & Co Ltd can be a stressful experience, but it's important to remain calm and take appropriate action. Here are some steps to follow:
1. Read the letter carefully: Understand why they are contacting you and what they are requesting.
2. Verify the debt: Ensure that the debt is actually yours and that the amount is correct.
3. Don't ignore the letter: Ignoring correspondence from bailiffs can lead to escalated action.
4. Gather relevant documents: Collect any paperwork related to the debt, including previous correspondence and payment records.
5. Seek advice: Consider contacting a debt advice charity or a legal professional for guidance on your situation.
6. Respond promptly: Contact Rundle & Co Ltd to discuss your situation and explore possible solutions.
Rundle & Co Ltd may contact you for various reasons related to debt collection and enforcement. Some common scenarios include:
1. Unpaid council tax: Local authorities often use bailiffs to collect overdue council tax payments.
2. Court judgments: If you have a County Court Judgment (CCJ) against you that remains unpaid, bailiffs may be instructed to enforce it.
3. Parking fines: Unpaid parking fines can escalate to bailiff involvement if left unresolved.
4. Business rates: Companies with outstanding business rates may face bailiff action.
5. High Court enforcement: Rundle & Co Ltd may act as High Court Enforcement Officers to collect debts over £600.
6. Commercial rent arrears: Landlords may instruct bailiffs to recover unpaid rent from commercial tenants.
When dealing with Rundle & Co Ltd, it's crucial to approach the situation proactively and professionally. Here are some tips to help you navigate the process:
1. Communicate openly: Be honest about your financial situation and willingness to resolve the debt.
2. Propose a payment plan: If you can't pay the full amount immediately, suggest a realistic repayment schedule.
3. Keep records: Document all communications, including dates, times, and the content of conversations.
4. Be polite but firm: Maintain a respectful tone while asserting your rights and questioning any discrepancies.
5. Seek professional advice: Consider consulting a debt advisor to explore your options and ensure you're taking the right steps.
6. Prioritise debts: If you have multiple debts, focus on those that could lead to more serious consequences, such as loss of your home.
When dealing with Rundle & Co Ltd, it's important to understand your rights. Bailiffs must operate within the law, and you have certain protections:
1. Notice of enforcement: Bailiffs must provide at least 7 days' notice before their first visit.
2. Peaceful entry: Bailiffs can't force their way into your home and must enter peacefully through a door.
3. Visiting hours: Bailiffs can only visit between 6 am and 9 pm, and not on Sundays or bank holidays.
4. Identification: Bailiffs must provide proper identification and authorisation when requested.
5. Vulnerable individuals: Special considerations apply for those deemed vulnerable due to age, disability, or serious illness.
6. Protected goods: Certain essential items can't be seized, such as basic household necessities and tools of trade.
Rundle & Co Ltd, as certified bailiffs, have specific powers granted to them by law. Understanding these powers can help you better navigate your situation:
1. Right to enter: They can enter your property peacefully, but can't break in unless they've been inside before and have a court order.
2. Seizing goods: Bailiffs can take certain items to sell and pay off your debt, but there are restrictions on what they can take.
3. Removal of goods: They can remove items immediately or secure them on your property for later collection.
4. Fees: Bailiffs can charge certain fees for their services, which are added to your debt.
5. Return visits: If they can't collect payment or seize goods on their first visit, they may return multiple times.
If you're facing action from Rundle & Co Ltd, it's worth exploring alternatives that might help resolve your debt situation:
1. Debt management plans: These informal agreements with creditors can help you repay debts at an affordable rate.
2. Individual Voluntary Arrangements (IVAs): An IVA is a formal agreement that can help you manage multiple debts.
3. Debt Relief Orders (DROs): For those with low income and few assets, a DRO might be an option to write off certain debts.
4. Bankruptcy: While a serious step, bankruptcy can provide a fresh start for those with unmanageable debts.
5. Negotiation with original creditors: Sometimes, you can arrange payment plans directly with your creditors to avoid bailiff involvement.
If you believe Rundle & Co Ltd have acted improperly or the debt is incorrect, you have the right to challenge their actions:
1. Complain to Rundle & Co Ltd: Start by raising your concerns directly with the company.
2. Contact the original creditor: Discuss the situation with the organisation that instructed Rundle & Co Ltd.
3. Seek advice: Consult a debt advice charity or legal professional for guidance on your options.
4. Complain to a regulatory body: If necessary, escalate your complaint to the appropriate regulatory authority.
5. Court action: In some cases, you may need to apply to the court to challenge the bailiffs' actions.
If you know Rundle & Co Ltd are planning to visit your property, it's important to be prepared:
1. Gather documentation: Have all relevant paperwork ready, including proof of income and expenses.
2. Secure valuables: Consider temporarily removing high-value items from your property.
3. Know your rights: Familiarise yourself with bailiffs' powers and your rights.
4. Arrange support: If possible, have a friend or family member present during the visit.
5. Prepare a repayment offer: If you can't pay in full, have a realistic repayment plan ready to propose.
After resolving issues with Rundle & Co Ltd, it's important to focus on your long-term financial health:
1. Budgeting: Create and stick to a realistic budget to avoid future debt problems.
2. Emergency fund: Start building an emergency fund to cover unexpected expenses.
3. Credit report: Regularly check your credit report and work on improving your credit score.
4. Financial education: Consider taking courses or reading books on personal finance management.
5. Seek ongoing support: If needed, continue working with debt advisors or financial counsellors.
Remember, dealing with Rundle & Co Ltd and resolving debt issues is a process. By understanding your rights, communicating effectively, and exploring all available options, you can work towards a positive resolution and a more stable financial future.