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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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JBW Group Debt Collection

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 JBW 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 JBW/CDER Group chasing me?

Your details will have been passed to them by a company that you owe money to.

Is JBW/CDER Group a legitimate debt collector?

Yes, they are authorised by the Financial Conduct Authority to collect a debt.

Who do JBW/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 JBW/CDER Group’s letters or calls?

Don’t ignore contact from JBW/CDER Group even if you think you aren’t liable for the debt.

Can I stop JBW/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 JBW/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 JBW/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 JBW/CDER Group or reach a settlement.

I can’t afford to pay JBW/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 JBW/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, JBW/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 JBW/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.

How Debt Buffer Helps

Debt Harm

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

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

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


Could my JBW/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 JBW/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 JBW/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 JBW/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 JBW/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.

DebtBuffer is here to assist you in achieving debt freedom! Explore our site to get more information on how to manage personal debt and ensure that you are treated fairly throughout the process. Get expert help in writing letters to create time and space to resolve debt issues. Our AI chatbot can assess your situation by asking some questions and telling you which solutions will help you to take back control of your life and money.

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.

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