Do you have debt with Penham Excel?

See how much debt you can legally write off. Answer the following to get started.

How much debt do you have?


Penham Excel Enforcement Agents

There come times throughout our lives where our financial situation is tested and becomes challenging to manage. During these times, it’s easy to let bills go unpaid and debt to mount, leading to further serious situations.

In cases where out-of-control debt has led to court action, you may have received notification of an enforcement agency, such as Penham Excel, being employed to retrieve the money you owe.

If you fail to act on their payment requests, they will visit you at your home to try and resolve the situation.

This can be both stressful and uncomfortable for you and your family. The following information should prepare you for such a visit and supply a few alternative ways to get you debt-free again.

The golden rule when dealing with the bailiffs

Never give bailiffs access to your home or your belongings.

In simple terms: DON’T LET THEM IN.

There are several things we recommend you should do if this is your first visit from an enforcement agent. The number one thing to do is to make sure they don’t get in your home.

Once they’re in, you’ll find it very hard to get them to leave, not until they’ve got you to agree to a payment plan or to pay them the money you owe.

They will also make an inventory of all the items in your home they plan to sell if you don’t meet your repayments, known as a Controlled Goods Agreement.

If you don’t let them in, they can’t force you into any of these things, so keep your doors and windows locked at all times.

Penham Excel contact details:

Company Name: Penham Excel

Other Names: Penham Excel Enforcement Agents, Penham Excel High Court Enforcement Officers, Hammonds Group

Ashley House
Siemens Road
ST17 4DT

Main Contact Number(s): 033 000 20705

Website: and


Opening hours:

Monday–Friday: 8:00am–5:00pm
Saturday–Sunday: 8:00am–1:00pm

Who are Penham Excel Enforcement Agents?

Penham Excel is a certified provider of enforcement services to Local Authorities, commercial property owners and housing associations. They were established in 2000 and operate throughout England and Wales.

They also operate as High Court enforcement officers, collecting CCJs of £600 or more and delivering High Court Writs.

The Ministry of Justice regulates all bailiffs and enforcement agencies.

Why would Penham Excel contact you?

Penham Excel offers a range of enforcement services to their clients. If your case has been issued to them for collection, it could be for any one of the following:

  • Commercial rent arrears recovery
  • Forfeiture
  • Service charge and insurance collection
  • Council tax recovery
  • NNDR business rates recovery
  • Road traffic debt recovery
  • Sundry debt recovery

They also perform a range of other services that don’t involve collection money:

  • Removal of travellers, squatters and abandoned vehicles
  • Process serving
  • Repossessions
  • Investigations and tracing

When recovering debt, an enforcement officer is entitled to remove your belongings to try and recover the owed funds.

They can take items of value including jewellery, electrical goods, antiques, TVs, luxury items and cash.

They can’t take items that would interfere with your everyday life, for example, your oven, fridge and freezer, your table and chairs, your landline or mobile phone.

For full details on what a bailiff is permitted to confiscate, talk to TAD today. As our resident debt expert, TAD will explain all the details that you need to know.

What happens to the goods Penham Excel take from you?

Your belongings will be used to pay towards your debt. This means that they will be sold, either privately or at auction.

Before the agency can remove any of your belongings, they must create a Controlled Goods Agreement. This document details the items they plan to take and sell if you don’t repay what you owe.

Nobody wants that to happen, so there are a few ways to make sure it doesn’t.

The first is to arrange to repay the money. You can pay in full, if at all possible, or enter into a suitable scheme to repay what you owe in instalments.

If the bailiff is satisfied with your agreed terms, then you will get to keep your goods, unless you fail to make your repayments.

If the terms offered by Penham Excel aren’t suitable for your situation, we can explain all the other options available.

A short-term solution to protecting valuables is to hide them. The bailiff can only take what they can find in your home. If you can store your belongings at a friend’s house or at a family member’s until you’ve dealt with your monetary issues, they will be kept safe from harm.

What happens when Penham Excell want to take your car?

A car is often our most valuable possession, so a bailiff will try and take it into their possession wherever possible.

A car that is used by a disabled driver cannot be taken; neither can any car that is still under a hire purchase agreement.

To avoid your car from being taken, the best way is to is to come to an payment agreement with the enforcement agent, but there are a couple of other methods to prevent it from happening.

The bailiff can only take your car from public access areas so if you park your car on a neighbour’s driveway or in their garage it should be safe. You can also try hiding it somewhere a bailiff won’t think of looking. Be careful though; some agencies have access to number plate tracking technology, so hiding a car is becoming increasingly difficult.

Bailiff’s fees

The fees incurred when a bailiff is employed to recover a debt or perform services are excessive and will add to your total owed amount.

As soon as the courts issue your case to your bailiff, you will be sent an enforcement notice; charged at £75. Home and work visits are charged as a one-off fee of £235.

There is a range of other associated costs your bailiff can and will charge. The best way to avoid as many additional charges as possible is to find a payment solution that is appropriate to all parties.

If you’ve been contacted by Penham Excel and need some help or advice, talk to TAD today. Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe them money, or if it has been statute-barred.

If they can challenge the debt, they will make sure you don’t have to pay them a penny.

If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.

Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.

For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.

Talk About Debt is not associated with Penham Excel Enforcement Agents or any of the bailiffs and agencies included in our directory.