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Jacobs Enforcement

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Who are Jacobs Enforcement?

Jacobs Enforcement are a debt collection company based in Merseyside, England.

Jacobs provides debt collection services for local authorities, government agencies and commercial businesses. They have been established since 1959 and are now the largest independently owned enforcement agency in the country.

Their full company name is Jacobs Enforcement, registered office: 6 Europa Boulevard, Birkenhead, Merseyside, CH41 4PE.

How to contact Jacobs Enforcement?

Jacobs Enforcement telephone number:

0345 601 2692


Telephone number for HMCTS Court Fines and Warrants:

0330 056 3323





Jacobs Enforcement postal address:

6 Europa Boulevard, Birkenhead, Merseyside, CH41 4PE.

Can you help me deal with Jacobs Enforcement?

Yes. Here at PennyPlan we specialise in helping people dealing with their debt problems. We offer a holistic approach to debt solutions and will only ever discuss options that are relevant to you based on your own financial circumstances.

We have helped many customers deal with debt collectors, including Jacobs. We guide our clients on their journey to get them the desired resolution, with some even writing off a percentage of the debt they owe.

Are Jacobs Enforcement legitimate?

Yes, Jacobs Enforcement is a regulated debt collection agency. They are authorised and regulated by the FCA (Financial Conduct Authority) to collect debts on behalf of their clients.

This means they must abide by all laws set out to credit providers in the UK. These rules establish the minimum standards that companies like Jacobs must meet to be considered trustworthy debt collectors.

Who do Jacobs Enforcement collect debts for?

Jacobs Enforcement are a debt collector who collect outstanding debts on behalf of local authorities, government agencies and commercial businesses.

Why are Jacobs Enforcement contacting me?

Jacobs Enforcement will have been instructed to collect a debt on behalf of a client they are representing after the debtor has been issued a number of reminders and other notices, along with opportunities for challenges, before the debt progressed to the point of being sent to them by the original creditor. This can often be a confusing time as you might not be familiar with the debt collector company name.

If you are worried about dealing with Jacobs Enforcement, then let us help you with them. 

Click ‘Contact Us Now‘ below and we will give you a call straight away.

How will Jacobs Enforcement get in touch with me?

Most debts Jacobs Enforcement collect will enter the Compliance stage whereby they will make several attempts to contact you by letter and where possible phone or SMS, to negotiate the repayment of your debt. A charge of £75.00 will be incurred when the first Notice of Enforcement is issued to you.

What should I do if Jacobs Enforcement are contacting me?

If Jacobs Enforcement are contacting you, the first thing you should do is take impartial advice from a specialist in dealing with debt collectors like PennyPlan. We will take you through a short telephone consultation to understand your situation from a neutral point of view, we can help you understand whether you are liable to pay the debt and help you understand what options you have to repay towards this debt, if you can afford it.

Click ‘Contact Us Now‘ below and we will give you a call straight away.

The important thing to remember with ourselves is we are on your side. We will take you through a process known as an income & expenditure to understand fully your financial situation and then we will talk to you about which options are available to you to take care of your debts.

How to deal with Jacobs Enforcement?

Don’t ignore the problem as it won’t go away. If a debt collector like Jacobs is involved the issue needs dealing with. The first thing to understand, is that you do actually owe the money you are being chased for. It is up to Jacobs to prove that this is the case.

This should be proven by them providing the original credit agreement with your signature on it. You can request this either over the phone if you do decide to take their call or if you would rather not speak to them you can also send this request off in writing to them.

It is very important when you communicate with them if you do so by post, you should type your name instead of signing it. This is so you do not provide them with a new copy of your signature, and they can only provide this if they do have an original credit agreement proving you owe the debt.

If you do not owe the debt, you should receive communication from Jacobs to state they have dropped this claim against you and they will no longer be chasing you regarding this debt.

If you do genuinely owe the debt, then you should look at ways to pay it back and we can help you explore your options as there are a number of different ways to do so depending on eligibility.

Click ‘Contact Us Now‘ below and we will give you a call straight away.

Can Jacobs Enforcement take me to court?

The short answer to this question is yes, any debt collector can take you to court if you owe them money but there are strict legal processes in place which they must follow before it would ever get to that stage.

Initially, they are required to send you a warning letter, typically in the form of a default notice, to inform you of their intention to take legal action. It is crucial to take prompt action upon receiving a default notice to prevent the situation from escalating. A default can harm your credit score.

Once a default notice has been issued, and only after that, a debt collection agency can serve you with a claim form. Subsequently, a County Court Judgment (CCJ) may be issued against you, which will remain on your credit report for a duration of seven years.

We would always recommend getting in touch with the debt collector before it gets to this stage to see if you can deal with things before they escalate any further. We can help you deal with this process, and we can discuss which debt solutions can offer legal protection which will stop legal proceedings if they have not already too far gone. The key part of this process is speaking with us as soon as possible to see what options you have.

Click ‘Contact Us Now‘ below and we will give you a call to help you deal with this process.

Do HMRC use Jacobs Enforcement?

HMRC currently don’t use Jacobs to collect on their behalf, however this could always change in the future.

Does Jacobs Enforcement affect credit score?

A lot of clients ask us the same question. If you are being contacted by Jacobs Enforcement this is because you have not kept up with your agreed repayments. Therefore, a single late or missed payment may impact your credit score in a negative manner.

Furthermore, if Jacobs Enforcement obtains a County Court Judgement (CCJ) against you for the debt they are collecting, it will be recorded on your credit file and could impact your ability to obtain credit in the future.

Although this will drag your credit score down, all hope is not lost. There are a number of things you can do over time to try to offset the impact this has.

If you would like to discuss your options and talk about how we can help with a debt solution click ‘Contact Us Now’ to arrange a call.

Still unsure or want to know more?

That’s where our advisors come in, our expert debt advice team can help find a solution that works for you. If you need help with problem debt, we’re on your side.

At PennyPlan we understand that every financial situation is different, and approach every customer with the care and individuality that they deserve.

So, get in touch today and start living better with PennyPlan.