Rundles Payment Plans: Paying In Full, Online or at the Door

There is no statutory right to pay an enforcement agent by instalments, and Rundles' own standards page commits only to following the national standards and the codes of its trade bodies rather than to specific arrangement terms. Those national standards expect a creditor to act proportionately when recovering a debt, which is the strongest lever behind a well evidenced offer even where the firm itself sets out no fixed policy.

How Rundles takes payment, including at the door

Rundles' payment options page lists an online portal at customer.rundles.org.uk, open around the clock, and a 24 hour automated card line on 0800 081 6000, option 1. Standing orders, bank transfers and post all use the same identifier, the Rundles reference printed on its correspondence, with post going to Rundle & Co Ltd, PO Box 11113, Market Harborough, Leicestershire, LE16 0JF. Cash, cheques, bank drafts and postal orders are accepted by post, though Rundles advises against sending cash that way. The one route worth flagging is in person: Rundles says its agents can take cash or card payment on the doorstep, though you are never obliged to let an agent into the property to pay them.

What Rundles does not publish about payment plans

Beyond a phone number and a portal, Rundles' website is quiet on arrangements. Its standards page lists the legislation and codes it works to rather than a policy on instalments, minimum payments or acceptance criteria, and its payment options page directs anyone struggling to the same 0800 number rather than to a set of published terms. An offer here is negotiated case by case, so what you send in support of it does more work than any form you fill in.

The 14 days that decide how much a plan costs

Timing changes the bill more than anything Rundles says about instalments. The compliance stage adds a fixed £79 once the notice is issued. The enforcement stage adds £247, plus 7.5% of anything above £1,900, once an agent attends or starts to take control of goods. A sale stage adds £116 if goods are removed. At least 14 clear days must pass after the notice before the enforcement fee can attach, extendable to a minimum of 28 clear days where a recognised debt adviser asks, unless the debt is a non-eligible business debt. Reach Rundles inside that period and the case can still be resolved for £79. Leave it for a visit, and the floor becomes £326.

Several debts, one Rundles visit

Council tax, business rates and traffic penalties can all end up with Rundles at once, and the fee rule for that is regulation 11 of the Taking Control of Goods (Fees) Regulations 2014: a £79 compliance fee for each enforcement power, but only one £247 enforcement fee and one £116 sale fee where the debts can reasonably be enforced together. Two liability orders enforced on the same visit should total £405, not £326 twice, so check a multi debt plan against that arithmetic before agreeing it.

The fee protection for a vulnerable debtor

There is a specific safeguard worth raising early rather than after goods have gone. Regulation 12 of the Taking Control of Goods (Fees) Regulations 2014 says the enforcement stage fee cannot be recovered from a vulnerable debtor unless Rundles gave an adequate opportunity to get assistance and advice before removing any goods. Rundles' own standards page commits to acting fairly and proportionately without setting out a fixed vulnerability procedure, so the practical step is the same either way: tell Rundles and the creditor in writing before the point of removal, not after.

A Rundles payment does not clear the council's books

Money paid to Rundles settles Rundles' case, not the underlying account directly, because a council or landlord that has passed a case over expects payment to go to the firm it instructed rather than to itself. A part payment does not, by itself, pause the case or stop further fees attaching, so if the full balance is out of reach, the useful step is agreeing a plan rather than sending a partial sum and hoping. Get written confirmation of what any payment has settled.

Break the arrangement, and the 12 months start again

An enforcement agent normally has 12 months from the Notice of Enforcement to take control of goods, under regulation 9 of the Taking Control of Goods Regulations 2013. Where Rundles agrees a repayment arrangement with you after that notice and the arrangement then breaks down, regulation 9(2) restarts that 12 month period from the date of the breach rather than letting it run out. A broken controlled goods agreement carries its own separate consequence: it can open a power of re-entry that the first visit did not carry, with reasonable force permitted where the statutory conditions are met. Get in touch before a payment is missed, with updated figures, rather than waiting for the breach to happen.

If Rundles will not agree an affordable offer

Rundles acts on instructions from a council, transport authority or landlord, and that creditor can sometimes recall a case, pause enforcement or direct Rundles to accept terms it has turned down. Our guide on a bailiff refusing your payment plan sets out how to take that further, and bailiff fees has the full statutory scale behind the figures above. If the complaint is about how Rundles behaved rather than what is owed, see Rundles complaints for their published process. For what Rundles can and cannot do more widely, see the Rundles profile.