JBW Group was a debt collection agency. They collected for individuals, businesses and organisations. As of 1 August 2020, they are called CDER Group. CDER Group possesses additional enforcement powers, but their actions should be limited by the type of debt – secured or unsecured – that you owe.
Who is CDER Group?
JBW Group was a debt collection agency. They collected for individuals, businesses and organisations. As of 1 August 2020, they are called CDER Group. CDER Group possesses additional enforcement powers, but their actions should be limited by the type of debt – secured or unsecured – that you owe.
Why is CDER Group chasing me?
Your details will have been passed to them by a company that you owe money to.
Is CDER Group a legitimate debt collector?
Yes, they are authorised by the Financial Conduct Authority to collect a debt.
Who do CDER Group collect for?
They collect for HMRC, councils and many utilities companies including o2, EE, Npower, Virgin media and gas/electric providers.
Should I ignore CDER Group’s letters or calls?
Don’t ignore contact from CDER Group even if you think you aren’t liable for the debt.
Can I stop CDER Group from contacting me?
You can limit the ways in which they contact you by asking them to stick to just one method. If you ask only to be contacted by letter, this ensures you are not put on the spot.
Is my debt to CDER Group statute-barred?
If the debt is more than six years’ old, it may be. However, if a County Court Judgement (CCJ) has been registered against you, you may still be liable.
I owe the debt and I can afford to pay CDER Group. Should I?
If you accept that the debt is yours, the best course of action is usually to set up a payment plan with CDER Group or reach a settlement.
I can’t afford to pay CDER Group. What now? If you are in financial difficulty, tell them that you are seeking advice and they may pause action against you.
Use our AI chatbot to find the best course of action for your individual circumstances.
Can I write off my CDER Group debts?
If you owe at least £5,000 to more than one creditor or own a business, then you could be eligible for an Individual Voluntary Agreement (IVA.)
Once you have set up an IVA, CDER Group will not be able to take action against you for the debt. However, you must keep up the agreed repayments or the IVA practitioner can cancel the agreement and even make you bankrupt.
What action can CDER Group take?
As a debt collection agency, JBW Group only has the same legal powers as the original creditor. So, if your notice was from them, this should remain the case. They will want you to either settle the amount or set up a payment plan.
CDER Group has additional legal powers as an enforcement agency or bailiff. There are three stages following non-payment:
Firstly, they’ll send a Compliance Notice. You have seven days to agree a payment plan and a £75 fee will be added to the debt.
If you ignore the notice, CDER will issue a Notice of Enforcement. This acts as a warning that goods from your home will be removed by enforcement agents. You now become liable for another £235 fee. You have another 7 days to either make a full payment or agree on a plan.
Lastly, Enforcement Agents will return with a Controlled Goods Agreement. They will enter your home and take inventory of your possessions, noting anything that could be sold. If you sign a Controlled Goods Agreement this will give you a further seven days to repay your debt, and the additional the fees. Enforcement Agents will return to remove the goods if you fail to pay.
If you are at all unsure which category your debt falls into, please seek advice.
Could my CDER Group debts mean that I lose my home?
As a debt collection agency, JBW Group only had the same legal powers as the original creditor.
As an enforcement agent, non-payment of secured debts could lead to CDER applying to the court for a Charging Order. This would secure the debt against your home, but they would also need to successfully apply for a CCJ against you to do this.
How do I make a complaint about CDER Group?
If you think that you have been treated unfairly, contact CDER Group initially:
Phone: 0333 1070 023
Email: customercare@cdergroup.co.uk
Post: CDER Group Customer Care, Floor 9, Peninsular House, 30-36
Monument Street, London, EC3R 8LJ
If you are unhappy with their response, you should then contact the Financial Ombudsman Service or CSA:
Phone: 0300 1239 123
Email: complaint.info@financial-ombudsman.org.uk
Post: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Phone: 0191 2170 775
Email: complaints@csa-uk.com
Post: Credit Services Association Ltd, 2 Esh Plaza, Sir Bobby Robson
Way, Great Park, Newcastle Upon Tyne, NE13 9BA
Are CDER Group bailiffs?
JBW Group was not, they were a debt collection agency. CDER Group is also an enforcement agency, another term for bailiff.
How do I stop CDER Group bailiffs?
You do not have to open the door to a bailiff/enforcement agent. The best way to stop them is usually to agree to a payment plan.
Can CDER Group take my car?
In the event that non-payment escalates to an enforcement agent attending your property to value items for sale, they cannot take your car if it either has a disabled sticker or if removing it would leave you unable to carry out your work.
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