Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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DCBL Bailiffs & Debt Collection

DCBL are bailiffs specialising in debt collection and providing a high court recovery service. DCBL is authorised and regulated by the Financial Conduct Authority (FCA) and has a number of other accreditations. They were named Legal Services Supplier of the Year for 2016/17.

If you recognise the name DCBL from TV’s ‘Can’t Pay We’ll Take It Away,’ you’ll know that they’re an enforcement agency authorised to collect debts from their clients.

If you’ve been receiving threatening letters and you can’t pay, or you the debt isn’t yours then read on.

Who are DCBL Bailiffs Debt Collectors?

DCBL are bailiffs specialising in debt collection and providing a high court recovery service. DCBL is authorised and regulated by the Financial Conduct Authority (FCA) and has a number of other accreditations. They were named Legal Services Supplier of the Year for 2016/17.

They have five offices nationwide and have been trading since 2001. They collect both consumer and commercial debts in the UK and internationally.

What does DCBL do?

DCBL offer a range of services including:

  • • Debt recovery
  • • Debtor tracing
  • • High Court enforcement including CCJs and Money Orders
  • • Commercial rent recovery

DCBL offer a fixed price nationwide service and promise to recover debts internationally. DCBL use the latest tracing and financial database technology to achieve results. They also offer security services.

Why is DCBL contacting me?

If DCBL is contacting you then you may owe money to one of their clients. DCBL is then employed to recover the debt.

If you’ve been contacted by DCBL you need to find out where the debt came from in the first place, what the debt is and how old it is. You should write to DCBL and ask them to send you the original credit agreement using our ‘Prove My Debt’ letter writing service.

DCBL could also be contacting you as a result of a CCJ. If you’ve fallen behind with your payments then your creditor or creditors can apply to the County Court to ensure the money is repaid.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


Are DCBL certified bailiffs?

DCBL does have certified bailiff status; they can be instructed to come to your home to obtain payment for your debts or take away your goods to cover the debt.

DCBL will be given a High Court Writ of Control if you don’t pay your debts as agreed in the CCJ which means they can remove goods up to the amount of the debt if you don’t continue to make regular payments.

You’ll receive a notice of enforcement when DCBL will arrange to visit you to discuss settling your debts in one payment or making an arrangement to pay in instalments. You’ll also be asked to sign a Controlled Goods Agreement which allows DCBL to return and remove your goods if you don’t keep up your repayments.

It’s important that you don’t agree to a repayment plan that is unworkable for you and that you won’t be able to afford. If you can’t meet the debt repayments then DCBL will remove your goods for sale at auction.

It’s important to remember that there are rules to protect you in terms of what bailiffs can and cannot take.

DCBL can remove:

  • • Valuable items including electrical goods e.g. games consoles, TVs, laptops, vehicles
  • • Cash and jewellery
  • • Items you own with someone else

DCBL cannot remove:

  • • Essential items including heating and lighting equipment, bedding, clothes, fridge, cooker
  • • Work tools and equipment including vehicles up to a value of £1,350
  • • Someone else’s property
  • • Medical equipment and pets

You can stop DCBL acting as bailiffs by applying to the court for a stay of execution and at DebtBuffers we can talk you through all your options and help out with our complete letter writing service to buy you some valuable time.

DCBL must follow the guidelines set by the Office of Fair Trading. That means:

  • • They must treat you fairly and not be aggressive or coercive in any way
  • • Any information they give you must be clear and not misleading in any way
  • • They should take your circumstances into consideration when arranging repayments
  • • They can’t pretend to powers greater than those they have
  • • They can’t harass you or contact anyone else about your debts

If you believe that DCBL is not observing the guidelines then you should take the complaint to them before escalating it to the Credit Services Association.

Can DCBL take you to court?

If you owe money to DCBL and you can’t afford to pay them then they can take you to court to recover the debt you owe. If they win the court application, the court will enter a judgement or order against you which means that you must pay back the debt.

Talk to DebtBuffers for free advice before you get into this situation and remember that you have options when it comes to managing your debts.

How can DebtBuffer help?

At DebtBuffer we can help to take away the hassle of dealing with debts and put you back in control of your finances.

We’ll let you know what your options are whether you can write off some or all of your debts. We can tell you the best common sense course of action and give you an honest opinion on what’s right for you.

So what are you waiting for? Start chatting with our AI chatbot to gain a clear understanding of your options for getting debt-free.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


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26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

Are you ready?

Show me my debt options