If you ignore calls, texts and letters from your creditors then this can be escalated to bailiffs. If this is passed on to bailiffs, this will mean that you will no longer be dealing with your original lender. Bailiffs have more powers than your lender and can visit your home, repossess vehicles and property (if they have the relevant court order). If Penham Excel are chasing you for payment then the best action to take it to request professional advice. The longer you ignore your debts, often the less favourable the outcome is.

It is possible to slow down Penham Excel if you act quickly. If Penham Excel are trying to gain access to your property and vehicles, you should seek immediate professional advice. Without professional advice you can be left vulnerable to tactics which Penham Excel use, so it is important to know what your rights are.

Bailiffs can sometimes have the right to force entry into your property if they have a court order for criminal fines such as not paying a TV license, HMRC debts, parking fines or income tax debts for example. You should check with Penham Excel to see what the origin of the debt is, if you are not aware.