If you have a CCJ of £600 or more, the creditor can transfer it to the High Court and instruct a High Court Enforcement Officer (HCEO). This is often faster, and more expensive for you, than county court bailiffs.
The short answer
- HCEOs enforce High Court writs, often from CCJs of £600 or more.
- Compliance fee: £75.
- First enforcement stage: £190 plus 7.5% of the debt over £1,000.
- Second enforcement stage: £495. Sale stage: £525 plus 7.5% over £1,000.
- You can apply to court to suspend the writ and pay by instalments.
Why has my debt gone to the High Court?
Creditors can transfer judgments of £600 or more to the High Court for enforcement. Debts regulated by the Consumer Credit Act generally can’t be enforced this way, but many other debts, such as some utility or business debts, can.
What powers do HCEOs have?
Their powers to take control of goods are similar to other enforcement agents. They must give at least seven clear days’ notice, visit at reasonable hours, and generally can’t force entry on a first visit to your home. See your rights with bailiffs.
How do I stop High Court enforcement?
- Contact the HCEO firm and offer an affordable payment plan.
- Apply to the High Court on form N244 to stay or suspend the writ.
- If you didn’t know about the CCJ, you may be able to apply to set it aside.
- A formal solution such as an IVA or DRO can stop enforcement of included debts.
Common questions
Are High Court bailiffs worse than normal bailiffs?
Their powers are similar, but their fees are higher and they act quickly. Deal with them early.
Can High Court enforcement officers force entry?
Not usually on a first visit to your home for most debts. Different rules can apply for commercial premises or once goods are under a controlled goods agreement.
Can I stop a High Court writ?
You can apply to the court to suspend it, usually with an offer of affordable instalments.
Getting help
You don’t have to deal with debt on your own. Free, impartial advice is available from MoneyHelper, StepChange and National Debtline. If you want to talk through whether a formal solution such as an IVA could be suitable, you can also get in touch with us.