C&L Collections are a debt recovery company, we provide excellent service to many different clients including credit unions, housing associations and insurance companies. we are FCA regulated and hold ISO9001 & 27001 we are also PCI DSS compliant
If your account has been passed to C & L, it’s because you owe money. Your debt would have been owed to a different creditor be it a Credit Union or Housing Association or a Insurer (which is why you may not recognise our name) but we have been passed your account to collect the outstanding balance. we a can provide you with evidence of this if you contact us
We would always encourage you to contact us rather than ignore correspondence.
If you do not engage with us, our client may consider further recovery or enforcement action where appropriate. The action available will depend on the circumstances of the account and whether the necessary legal processes have been completed.
Where a County Court Judgment (CCJ) already exists, enforcement options may include methods such as High Court Enforcement, charging orders or attachment of earnings, where legally available and appropriate.
Enforcement action can result in additional costs being incurred.
If you are experiencing financial difficulty, please tell us. Our team can discuss your circumstances with you and consider an appropriate repayment arrangement. Depending on the circumstances and our client’s instructions, there may also be options for reducing the balance or agreeing an affordable settlement.
You do not need to be embarrassed about discussing financial difficulties with us. We understand that circumstances can change, including as a result of the cost of living, and our aim is to work with you towards a sustainable resolution.
A County Court Judgment, commonly known as a CCJ, is a court judgment concerning a debt.
In England and Wales, certain judgments for money are entered on the Register of Judgments, Orders and Fines. Information from this register can be accessed by credit reference agencies and may affect an individual’s ability to obtain credit.
If you have received court paperwork or already have a CCJ, please contact us if you need clarification about the balance or the options available to you.
A charging order is a court order that can secure a judgment debt against property or certain other assets owned by the judgment debtor.
A charging order does not automatically mean that your property will be sold. In certain circumstances, a creditor may be able to make a further application to the court concerning the property.
If you are concerned about a charging order or court proceedings, we recommend that you contact us as soon as possible so that we can explain the position and discuss the options available
An Attachment of Earnings Order is a legal process that can allow payments towards a judgment debt to be deducted directly from a person’s earnings.
Where such an order is made, the court determines the amount to be deducted and the payments are generally made through the employer in accordance with the court’s instructions.
If you are concerned about an existing or proposed Attachment of Earnings Order, please contact us to discuss your circumstances.
High Court Enforcement is a method of enforcing certain court judgments through authorised High Court Enforcement Officers.
Depending on the type of judgment and circumstances of the case, enforcement officers may have powers to take control of goods or enforce possession of property.
High Court Enforcement is generally only available where the relevant legal requirements have been satisfied.
If your account has been referred for enforcement, contacting us promptly may allow us to discuss the position with you and explain what options may remain available.
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