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Enforcement company

Morley & File: Now Registered as Morleyfile Ltd

A letter from "Morley & File" and a company search that returns "Morleyfile Ltd" are describing the same business, not two different ones. The registered name changed in 2025, and knowing that avoids the mistaken conclusion that the original firm has vanished or been replaced.

  • Same firm, renamed Morleyfile Ltd in 2025
  • Works under licence from a certificated HCEO
  • Whether they can force entry
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What are Morley and File contacting you about?

May not be suitable in all circumstances. Our initial advice is free, but fees may apply and your credit rating may be affected if you opt for a debt solution.

How we produce this guidance

Company details

Type Enforcement company
Registered name Morley and File

Key facts

Company number
15602092, incorporated 2024
Current name
Morleyfile Ltd, was Morley & File
Registers
HCEOA listed, not on ECB or CIVEA
Forced entry
Not for a writ of control on a first visit
On this page 9 sections

Who are Morley & File?

The company is registered at Companies House under number 15602092, incorporated on 29 March 2024. It was named Morley &. File Debt Solutions Ltd from incorporation until 1 April 2025, when the register was updated to its current name, Morleyfile Ltd. Both the firm's own site and the HCEOA directory still trade under "Morley & File," so a debtor's paperwork issued before April 2025 may carry either version and a search under either name should reach the same company. The registered office is 23-25 Lower Street, Stansted, CM24 8LN. Its directors are Nicholas Morley and Nicola Ann File.

The HCEOA member directory lists the business under Claire Sandbrook of Shergroup Limited, at an address in Doncaster, with a Stansted-area phone number matching the firm's own site, again a registered-office-versus-operational-contact split rather than anything to be concerned about. Morley & File's own site (checked 22 Aug 2026) goes further than the usual officer-of-record arrangement and states plainly that its High Court enforcement work is carried out under licence from Claire Sandbrook of Shergroup Limited, which is a more explicit statement of the relationship than most firms sharing a certificated High Court Enforcement Officer publish about themselves.

A new company, not necessarily a new team

Morley & File's own marketing claims over 25 years of experience, which cannot describe the company itself, incorporated only in March 2024. Nicholas Morley is separately described elsewhere as an enforcement agent, so the claimed track record most likely reflects the personal careers of the people running the business rather than the corporate entity's own history; treat that distinction as unverified beyond what is stated here, since the company's own filed history covers barely two years.

Where Morleyfile sits on the registers

Checked directly in August 2026, Morleyfile Ltd does not appear on the Enforcement Conduct Board's accredited firms register or CIVEA's published member list. It is listed with the HCEOA through its licensed High Court Enforcement Officer arrangement, which is the register presence relevant here.

What Morley & File is instructed to do

Its own site lists High Court enforcement, business debt collection, credit control, letter-driven recovery, debt negotiation, a tracing service and, distinctly, residential possession. That last item matters: recovering possession of a residential tenancy follows entirely different law from enforcing a money judgment, uses different notices, and carries none of the fee scale described below. If your paperwork concerns possession of a home rather than a debt, this page's guidance on fees and exempt goods does not apply and separate possession-specific advice is needed.

The High Court enforcement fee scale

Where a County Court judgment of £600 or more is transferred up under article 8 of the High Court and County Courts Jurisdiction Order 1991, it becomes a writ of control, enforced under Schedule 12 of the Tribunals, Courts and Enforcement Act 2007, at fixed regulated rates for instructions from 1 May 2026:

  • Nothing beyond the debt until compliance, £79, when notice is sent and no visit has happened.
  • £200 once an agent visits and begins taking control of goods, with 7.5% added on any sum recovered above £1,200.
  • £520 for a second enforcement stage, only where its own separate conditions are met.
  • £550, plus the same 7.5%, if goods are removed and sold.

Older writs may still run on the previous scale. Under regulation 11 of the Taking Control of Goods (Fees) Regulations 2014, holding several writs allows the £79 charge per writ but limits the later-stage charges to one occurrence across the group, where they can reasonably be dealt with together.

Can Morley & File force entry?

Not into a home on a first visit under a writ of control: entry has to be peaceable, through a door voluntarily opened or already unlocked, with no penalty for keeping it shut. Paragraph 19A of Schedule 12 allows forced re-entry only once a signed controlled goods agreement has been broken. Residential possession work is governed by a separate legal framework entirely, with its own notice periods and, where relevant, court order requirements.

Exempt goods and third-party property

For a debt case, only goods belonging to the named debtor can be taken. Regulation 4 of the Taking Control of Goods Regulations 2013 protects clothing and bedding, essential household equipment, medical and care items, pets, assistance dogs and a vehicle displaying a valid disabled badge whatever the sum owed, plus tools of trade up to £1,350 in total. A vehicle on hire purchase, leased under Motability, or registered to someone else in the household falls outside what can be taken until ownership is checked.

Vulnerability, disputes and arranging payment

Disclose vulnerability in writing as soon as it is relevant; the response should be a change in how the case is handled, not a change to the debt itself. Where the judgment or balance is disputed, that argument belongs with the original claimant and the court, not with the enforcement team; request the writ reference, issuing court and a full fee breakdown in writing. An arrangement to pay by instalments on an open writ usually takes the form of a controlled goods agreement, and breaking one is what opens the door to forced re-entry described above.

Verifying a Morley & File letter

Confirm any letter through the writ reference and issuing court, using contact details found independently of the letter itself, whichever version of the company name it uses. Complaints start with the firm's own procedure; since it is not on the ECB's register, an unresolved conduct complaint against a certificated agent goes to the county court that issued their certificate instead.

How a Morley and File debt could reach bailiffs

A debt collector cannot send bailiffs. Only a court can, and only after a judgment. These are the stages in between, and each one is easier to deal with than the one after it.

  1. A collector asks you to pay

    No court is involved yet. A debt collection agency has no enforcement powers at all, it cannot enter your home, take goods or add enforcement fees. This stage can last a long time.

    What debt collectors can and cannot do

  2. A County Court claim is issued

    The creditor, or the company that bought the debt, asks the court to decide you owe the money. This is the stage where the deadlines start to matter, and where a defence such as limitation has to be raised.

    Check whether the debt is too old to enforce

  3. Judgment is entered (a CCJ)

    If you do not respond in time, judgment is entered by default, without anyone examining whether the debt was correct. A CCJ stays on your credit file for six years.

    How to check whether you have a CCJ

  4. A warrant or writ of control is issued

    An unpaid judgment can be enforced. This is the document that authorises enforcement agents to attend, and the point at which a debt collection matter becomes a bailiff matter.

    What a warrant of control allows

  5. Enforcement agents can attend you are here

    Now there are real powers: peaceable entry, taking control of goods, and statutory fees of £79, £247 and £116 at defined stages. This is the stage the earlier ones exist to avoid.

    What bailiffs can and cannot take

Which bailiffs would actually attend

That depends on the amount and on what kind of debt it is, and the rule is set by article 8 of the High Court and County Courts Jurisdiction Order 1991 rather than by the creditor's preference.

  • Under £600, the judgment can only be enforced in the county court, so county court bailiffs attend under a warrant of control.
  • £5,000 or more, and not a regulated credit agreement, it can only be enforced in the High Court, so High Court enforcement officers attend under a writ of control. They charge on a different and higher fee scale.
  • Anything else, including a regulated credit agreement of any size, may be enforced in either court.

Whether your agreement is regulated by the Consumer Credit Act 1974 changes which court can enforce it. Credit cards, loans, overdrafts and catalogue accounts usually are; council tax, traffic penalties and court fines are not, and those reach enforcement by a different route entirely.

If several debts are enforced together

This happens often, particularly where one company has bought several of your accounts, or where a council has more than one liability order against you. The enforcement agent is instructed on all of them at once and deals with them on the same visit.

The fees do not simply multiply, and this is where people are most often overcharged. Where the agent is instructed under more than one enforcement power against the same debtor, and those powers can reasonably be exercised at the same time, regulation 11 of the Taking Control of Goods (Fees) Regulations 2014 splits the treatment:

  • The £79 compliance fee may be charged for each enforcement power. Several of these is correct.
  • The £247 enforcement fee and the £116 sale fee may each be charged only once, however many debts are involved.

So three debts enforced together should cost three compliance fees and one enforcement fee, £484, rather than three separate lots of £326. If you have been charged an enforcement fee for each debt on a single visit, that is worth challenging in writing.

The saving depends on the debts genuinely being enforceable at the same time. Where an agent legitimately attends on separate occasions for unrelated matters, separate fees can apply, so it is worth checking the dates and references on the fee breakdown before challenging it.

Not sure which one is contacting you? How to tell from the paperwork

Frequently asked questions

Is Morley & File the same company as Morleyfile Ltd?

Yes. Company number 15602092 was registered as Morley &. File Debt Solutions Ltd from March 2024 and renamed Morleyfile Ltd in April 2025. Older paperwork may show either name.

Are Morley & File a legitimate business?

The company is registered at Companies House and is listed with the HCEOA through a licensed arrangement with a certificated High Court Enforcement Officer. It does not appear on the ECB or CIVEA registers, and the company itself has only existed since 2024, whatever experience its directors bring individually.

Can Morley & File force entry into my home over a debt?

Not on a first visit under a writ of control. Entry must be peaceable, through a door opened voluntarily or already unlocked. A broken controlled goods agreement is the narrow exception permitting forced re-entry.

Is residential possession the same as debt enforcement?

No. Recovering possession of a tenancy follows its own legal framework and notice requirements; it does not use the Schedule 12 goods-taking regime or the fee scale that applies to a writ of control.

What does Morley & File charge for a writ of control?

Whichever brand name appears on the letter, the fee is set by regulation rather than by the firm: a notice-stage charge of £79, a visit-stage charge of £200 with a 7.5% addition above £1,200, an optional further stage at £520 where its conditions are met separately, and a sale-stage charge of £550 carrying the same percentage.

Sources

  1. Companies House register GOV.UK Checked 2026-08-13
  2. Enforcement Conduct Board Enforcement Conduct Board
    independent oversight of the enforcement industry (bailiffs) to ensure that all those who are subject to enforcement action in England & Wales are fairly treated.
    Checked 2026-08-17
  3. High Court and County Courts Jurisdiction Order 1991, article 8 (as amended) legislation.gov.uk
    shall be enforced only in the High Court where the sum which it is sought to enforce is £5,000 or more; shall be enforced only in the County Court where the sum which it is sought to enforce is less than £600; in any other case may be enforced in either the High Court or the County Court. A judgment or order of the County Court for the payment of a sum of money in proceedings arising out of an agreement regulated by the Consumer Credit Act 1974 shall be enforced only in the County Court.
    Checked 2026-08-17
  4. Taking Control of Goods (Fees) Regulations 2014, Schedule 1 Table 2, as amended by SI 2026/366 legislation.gov.uk
    Compliance stage £79.00 0%; First enforcement stage £200.00 7.5%; Second enforcement stage £520.00 0%; Sale or disposal stage £550.00 7.5% — percentage of sum to be recovered exceeding £1200.
    Checked 2026-08-17
  5. Taking Control of Goods (Fees) Regulations 2014, regulation 11 legislation.gov.uk
    The enforcement agent may recover the compliance stage fee in respect of each enforcement power to which the instructions relate… the fixed fee for each stage may be recovered only once regardless of the number of enforcement powers to which the instructions relate.
    Checked 2026-08-13
  6. Tribunals, Courts and Enforcement Act 2007, Schedule 12, paragraph 19A legislation.gov.uk
    This paragraph applies if these conditions are met— (a) the enforcement agent has power to enter the premises under paragraph 16; (b) the enforcement agent has taken control of the goods by entering into a controlled goods agreement with the debtor; (c) the debtor has failed to comply with any provision of the controlled goods agreement.
    Checked 2026-08-17
  7. Taking Control of Goods Regulations 2013, regulation 4 legislation.gov.uk
    items or equipment (for example, tools, books, telephones, computer equipment and vehicles) which are necessary for use personally by the debtor in the debtor's employment, business, trade, profession, study or education, except that in any case the aggregate value of the items or equipment to which this exemption is applied shall not exceed £1,350… assistance dogs (including guide dogs, hearing dogs and dogs for disabled persons), sheep dogs, guard dogs or domestic pets; a vehicle on which a valid disabled person's badge is displayed.
    Checked 2026-08-17

Next step

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