Written by the Bailiff Advice Editorial Team

CDER Group Bailiffs: What They Can Do and How to Get Help

Received a CDER Group letter, Notice of Enforcement or warning of a bailiff visit?

CDER Group Limited is an enforcement and debt collection company acting for local authorities, government bodies and commercial clients. Its work includes Council Tax, business rates, parking and road-user charges, commercial rent arrears and HMCTS court fines.

CDER Group is not normally the original creditor. Your rights and the enforcement powers available depend on the debt and legal authority. You may be able to verify the case, make payment, request an affordable arrangement, report vulnerability, submit evidence or consider whether wider debt advice is needed.

Do not ignore correspondence from CDER Group

Acting before the deadline on a Notice of Enforcement gives you the best opportunity to check the account and discuss payment before a visit and further statutory enforcement fees. Different rules can apply to HMCTS fines and arrest warrants.

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Quick answer

What should you do if CDER Group contacts you?

Check the debt, client, legal authority, balance and deadline before taking action. CDER Group acts for councils, government bodies, courts and commercial clients. Your options depend on whether the case concerns Council Tax, a parking or road-user penalty, an HMCTS fine, commercial enforcement or another debt.

Check

Identify the debt and creditor

Confirm whether the case relates to Council Tax, parking, business rates or another enforceable amount.

Contact

Respond before the deadline

Contact CDER during the compliance stage to discuss payment or request an affordable arrangement.

Record

Keep everything in writing

Save letters, account statements, payment confirmations, ownership evidence and details of any agreed enforcement hold.

CDER enforcement explained

Who are CDER Group?

CDER Group Limited is a private enforcement and debt collection company operating across England and Wales. Government guidance lists it as Compliant Data-Led Engagements & Resolutions (CDER) Group and as an Approved Enforcement Agency for specified HMCTS work.

CDER acts for local authorities, government bodies, courts and commercial organisations. It is normally enforcing or collecting on behalf of the organisation named on the letter rather than being the original creditor.

CDER Group launched in 2020 after the JBW, Phoenix Commercial Collections and Collect Services brands were brought together. A letter may therefore relate to work historically associated with one of those businesses, but the current legal company details should be checked against CDER Group Limited.

1

Private enforcement company

CDER Group Limited is a separate private company instructed by public-sector and commercial clients.

2

Approved HMCTS agency

CDER also deals with certain criminal court fines and warrants as an Approved Enforcement Agency.

3

Different powers by debt type

The notice, entry powers, fees and challenge route depend on the debt and legal authority being enforced.

Check the organisation that instructed CDER. Liability, penalty appeals and court decisions usually have to be challenged with the council, court, government body or original creditor, not CDER alone.

Received a CDER letter?

Why has CDER Group contacted you?

CDER normally contacts you after a council, court, government body or other client has completed earlier recovery steps and passed the account for collection or enforcement.

1

An amount became due

This may be Council Tax, business rates, a parking or road-user penalty, a court fine or another enforceable debt.

2

Earlier notices were issued

The authority may have sent bills, reminders, penalty documents, court notices or a payment order.

3

Legal authority was obtained

This could be a liability order, warrant of control, criminal fine warrant or another recognised authority.

4

CDER was instructed

The account was sent to CDER for collection, enforcement, evidence review or execution of a warrant.

5

Fees may have been added

Statutory fees may apply where the taking-control-of-goods procedure is used. Other case types can use different charges.

6

CDER contacted you

This may be by letter, Notice of Enforcement, email, text, call or an enforcement visit.

Do not ignore genuine CDER correspondence. Check the reference and debt using CDER's official contact details, especially if a visit, court fine or arrest warrant is mentioned.

Types of CDER debt

What debts do CDER Group bailiffs collect?

CDER publishes enforcement and collection services for local government, central government and commercial clients. The exact document and legal power on your own case are more important than the company name alone.

Debt or case type Typical authority What to check
Council Tax arrears Liability order The council, property, billing period, liable person, discounts, payments and court costs.
Non-domestic rates and BIDs Liability order The business or occupier, premises, rating period, reliefs, payments and entity named.
Parking, traffic and road-user penalties Warrant of control The registration, issuing authority, location, original PCN, notices and warrant details. CDER has dedicated information for TfL and Dart Charge cases.
HMCTS criminal court fines Court warrant The court, fine account, payment history, warrant type and whether the case concerns payment enforcement or an arrest warrant.
Other local-authority debts Varies Sundry debt, housing-benefit overpayment, former-tenant arrears, statutory power and full account history.
Commercial and property enforcement CRAR or other authority The lease, commercial rent, debtor entity, notice period, warrant or instruction and whether a partner company is acting.
CDER Group also advertises High Court enforcement through a partner company. High Court writs, Commercial Rent Arrears Recovery and HMCTS arrest warrants do not all follow the same procedure or fee structure as ordinary Council Tax and parking cases.

CDER enforcement process

What stage has your CDER case reached?

Your options become more restricted and the balance normally increases as the case moves through the statutory enforcement stages.

1

Compliance stage

CDER receives the instruction, adds the compliance fee and normally issues a Notice of Enforcement.

2

Payment or arrangement opportunity

You may be able to pay the balance or request an affordable payment plan before a visit.

3

Enforcement visit

If the account remains unresolved, an agent may attend and the enforcement-stage fee may be added.

4

Taking control of goods

Qualifying goods may be listed under a controlled goods agreement, clamped or removed.

5

Payment agreement after a visit

CDER may agree repayments while controlled goods remain at the property.

6

Removal and sale stage

If the account or controlled goods agreement remains in default, goods may progress towards removal and sale.

Before a CDER visit

CDER Notice of Enforcement

For cases governed by the Taking Control of Goods Regulations, a Notice of Enforcement is the formal notice normally sent before an enforcement agent takes control of goods.

It should identify the debtor, creditor, debt, enforcement authority, amount outstanding, fees, payment methods and the deadline for responding.

Since 1 May 2026, the standard minimum is normally 14 clear days. For an eligible non-business debt, a qualifying request submitted by a debt advice provider before the notice expires extends the minimum to 28 clear days.

Separate rules can apply to Commercial Rent Arrears Recovery, HMCTS criminal fines and arrest warrants. Do not assume that every CDER letter uses the ordinary residential enforcement timetable.

Read the complete guide to a Notice of Enforcement.

Paying CDER Group

Can you arrange a CDER payment plan?

CDER provides separate online customer portals for HMCTS cases and all other cases. The portals can be used to manage an account, make payment and, where available, set up or request a payment plan. Acceptance still depends on the case, the client's instructions, the enforcement stage and affordability.

1

Use the correct portal

HMCTS court fines use a separate portal from Council Tax, parking, traffic and other CDER cases.

2

Check your balance

Request a breakdown showing the original amount, court costs, payments and enforcement fees.

3

Prepare a household budget

Include reliable income and essential housing, food, energy, childcare and travel costs.

4

Make a sustainable proposal

Offer an amount you can maintain rather than agreeing to a payment that is likely to fail.

5

Report vulnerability

Explain any health, disability, bereavement or household circumstances affecting affordability.

6

Get written confirmation

Confirm the amount, payment dates, first payment and whether enforcement has been placed on hold.

CDER states that its online portals and automated payment line are available 24 hours a day, seven days a week. Always quote the CDER Group reference shown on the genuine correspondence.
A proposed payment is not an agreed arrangement. Do not assume enforcement has stopped until CDER confirms acceptance and any hold in writing.

Unaffordable CDER debt

What if you cannot afford to pay CDER Group?

Actions to take

  • Contact CDER before the notice deadline.
  • Provide an honest income and expenditure statement.
  • Continue paying current priority bills where possible.
  • Ask whether a longer affordable arrangement can be considered.
  • Report vulnerability and provide relevant evidence.
  • Contact the original creditor about reductions or liability.
  • Obtain debt advice if you have several unaffordable debts.

Avoid these mistakes

  • Ignoring CDER’s letters and messages.
  • Offering money needed for food or housing.
  • Borrowing at a high cost to make one payment.
  • Assuming a complaint automatically stops enforcement.
  • Hiding or disposing of goods already controlled.
  • Providing false information about ownership or vulnerability.
  • Stopping current Council Tax to pay older arrears.
CDER may ask for evidence before accepting reduced payments. Keep the proposal realistic and provide updated information if your income or essential spending changes.

CDER bailiff entry rights

Can CDER Group bailiffs force entry?

For ordinary Council Tax and parking enforcement at a residential property, CDER cannot normally force entry on the first visit. The answer can be different for unpaid criminal fines, commercial premises and lawful re-entry after goods have already been controlled.

For ordinary residential cases, you can normally:

  • Keep the door locked.
  • Speak through a closed door or window.
  • Ask to see the agent's identification.
  • Request the enforcement reference and written balance.
  • Make a payment without allowing entry.
  • Ask for a payment proposal to be considered in writing.
  • Record your own conversation for an accurate record.

CDER cannot simply:

  • Push past you to enter.
  • Use force against you or another person.
  • Climb through a window.
  • Take goods owned entirely by someone else.
  • Take protected essential household goods.
  • Claim arrest is automatic for Council Tax or a parking debt.
  • Ignore a valid statutory enforcement pause.
HMCTS criminal fines require separate care. GOV.UK states that forced entry can be used to collect unpaid criminal fines only as a last resort. CDER may also execute a valid arrest warrant in specified HMCTS cases. Check the exact warrant and seek urgent advice rather than relying only on the ordinary Council Tax rules.
Different entry powers may also apply at commercial premises or when an agent is lawfully re-entering after goods have been taken into control under a controlled goods agreement.

CDER and your belongings

What goods can CDER bailiffs take?

Goods potentially at risk

  • A vehicle owned by the debtor.
  • Televisions and non-essential entertainment equipment.
  • Games consoles and non-essential electronics.
  • Jewellery and valuable collections.
  • Non-exempt business equipment.
  • Other non-essential goods with a meaningful sale value.
  • The debtor’s interest in jointly owned goods.

Goods that should be protected

  • Essential clothing and bedding.
  • A cooker, fridge and essential household equipment.
  • Goods owned entirely by another person.
  • Qualifying work tools within the statutory limit.
  • Protected disability-related equipment.
  • Hired or leased goods not owned by the debtor.
  • Items required for basic medical or household care.
Read the complete guide: what can bailiffs take?

Vehicle enforcement

Can CDER Group take your car?

A vehicle belonging to the debtor can be one of the easiest assets for a CDER enforcement agent to identify, clamp or remove.

The vehicle does not need to be inside your home. Enforcement agents may inspect vehicles parked on a driveway, road or other accessible location.

A vehicle may be protected if it is owned entirely by someone else, covered by certain finance arrangements, used for qualifying disability needs or essential personally for work within the statutory value limit.

The registered keeper shown on the V5C is not always the legal owner. Provide purchase, payment and finance evidence promptly if ownership is disputed.

Do not remove a clamp yourself. Raise ownership or exemption evidence with CDER immediately and use the appropriate third-party or court procedure if necessary.

Current statutory charges

CDER Group bailiff fees

The following fees apply to relevant standard non-High-Court taking- control-of-goods instructions received by the enforcement provider on or after 1 May 2026. HMCTS arrest warrants, CRAR and partner-company High Court work may use different rules or charges.

Enforcement stage Fixed fee When it may apply
Compliance stage £79 Added when CDER receives the enforceable instruction and begins the compliance process.
Enforcement stage £247 Added when an enforcement agent attends. A further 7.5% may apply to the part of the debt above £1,900.
Sale or disposal stage £116 Added if controlled goods progress towards removal and sale, with another percentage fee above the threshold.
Permitted expenses Varies Certain reasonable locksmith, storage, valuation and sale costs may also be recoverable.
Older CDER cases received before 1 May 2026 may use the previous statutory fees and percentage threshold. Ask CDER when it received each instruction if the figures are disputed.
The enforcement-stage fee can be added when an agent attends even if no goods are removed.

CDER arrangement in default

What happens if you miss a CDER payment?

Contact CDER immediately if a payment has failed or will be late. Waiting for the company to contact you can allow the case to progress.

1

Check why the payment failed

Confirm whether the issue was insufficient funds, a cancelled card, bank error or incorrect payment reference.

2

Contact CDER immediately

Explain the reason, when payment can be made and whether your financial position has changed.

3

Provide an updated budget

Supply evidence if the original arrangement is no longer affordable.

4

Ask whether enforcement is paused

Obtain written confirmation that a visit or removal action has been placed on hold.

5

Check controlled goods

If goods were previously listed, review the agreement and any re-entry notice urgently.

6

Keep proof of every payment

Save receipts, confirmation numbers, bank records and written revised terms.

Read the guide to a controlled goods agreement if CDER has already listed goods.

Disputing CDER enforcement

What if the CDER debt or balance is wrong?

Contact CDER and the original creditor immediately. CDER’s official guidance states that decisions about liability must normally be made by the original creditor.

Common liability concerns

  • You were not responsible for the property or account.
  • You moved before the period covered by the debt.
  • A Council Tax discount or exemption is missing.
  • A parking penalty relates to a vehicle you did not own.
  • Payments have not been credited.
  • The balance includes duplicate costs or fees.
  • The debt relates to someone with a similar name.

Evidence to collect

  • Tenancy or completion documents.
  • Council Tax statements and decisions.
  • Bank statements and payment receipts.
  • Vehicle sale or purchase documents.
  • DVLA correspondence.
  • Earlier letters and court documents.
  • Evidence of discounts, exemptions or vulnerability.
A liability dispute does not automatically stop CDER enforcement. Ask the creditor to instruct CDER to place the case on hold and obtain written confirmation.

Not your CDER debt?

CDER letter for someone else or an old address

If the debtor does not live there

  • Contact CDER using independently verified details.
  • Provide reasonable proof of identity and occupation.
  • State when you moved into the property.
  • Keep ownership evidence for vehicles and valuable goods.
  • Ask CDER to update the address record.
  • Keep a copy of everything supplied.

If your notice went to an old address

  • Request a copy of the Notice of Enforcement.
  • Ask when and how it was issued.
  • Confirm the address used.
  • Provide evidence of your moving date.
  • Check where earlier creditor documents were sent.
  • Ask for a temporary enforcement hold.
Not physically seeing a letter does not automatically prove the notice was invalid. Ask for the service evidence and obtain advice about the underlying debt process.

CDER Welfare Team

CDER Group vulnerability support

Tell CDER if a health condition, disability, mental health issue, bereavement, pregnancy, age, language need, domestic abuse, recent loss of income or another circumstance affects your ability to understand or manage enforcement.

Information to explain

  • How your circumstances affect you in practice.
  • Whether you can communicate by telephone.
  • Whether you need an authorised representative.
  • Whether you require information in another format.
  • How your circumstances affect affordability.
  • Whether a visit could create a serious risk.

Support you can request

  • Referral to CDER's Welfare Team.
  • Reasonable communication adjustments.
  • Time to provide relevant evidence.
  • Contact through a nominated representative.
  • An affordability review.
  • A temporary hold while circumstances are assessed.
CDER Welfare Team: 0330 0414 800 or welfare@contactcder.co.uk.
Reporting vulnerability does not automatically cancel the debt, remove fees or guarantee that the account will be returned to the creditor. Ask CDER to confirm any adjustment or enforcement hold in writing.

CDER Group complaints

How to complain about CDER Group

CDER accepts complaints through its official online form, by email, by telephone and by post. Keep the complaint separate from any urgent payment deadline, court application or enforcement action.

1

Write a timeline

Record dates, times, names, visits, calls, messages and what was said or done.

2

Identify the concern

Explain whether it concerns conduct, fees, goods, vulnerability, payments, entry or communication.

3

Include evidence

Attach letters, photographs, recordings, receipts, statements and ownership evidence.

4

State the resolution requested

This may include a correction, refund, apology, review of fees or reconsideration of action.

5

Contact the instructing authority

Also complain to the council, court or organisation that instructed CDER where the issue concerns its account or agent.

6

Use the correct escalation route

After CDER's process, the route may involve the client, an ombudsman or CIVEA depending on the type of case.

Published complaint contacts: non-HMCTS cases can be raised through customercare@contactcder.co.uk or 0330 460 5295. CDER's complaints page publishes hmcts-complaints@contactcder.co.uk for HMCTS complaints.
A complaint does not automatically suspend enforcement. Ask CDER and the instructing authority to confirm any temporary hold in writing.
Contact details

CDER Group Contact Number, Payment Portal and Company Details

Use the verified details below to check a CDER letter, discuss a case, make payment, report vulnerability, submit evidence or complain. CDER uses separate contact routes for HMCTS and some transport-related cases.

CDER Group Limited Details

Legal name
CDER Group Limited, trading as CDER Group
Former brands
JBW, Phoenix Commercial Collections and Collect Services were brought together under CDER Group in 2020.
Official website
cdergroup.co.uk
Main number
0330 460 5295
Council Tax, parking, traffic penalties and most other cases
TfL / Dart Charge
0330 460 5297
HMCTS case queries
0330 159 6553
Listed on CDER's current contact page
HMCTS payment line
0330 041 4890
Listed on CDER's payment information
General email
info@contactcder.co.uk
Opening hours
CDER states its contact centre is open seven days a week. Webchat is published as Monday–Friday, 8am–4pm. Exact telephone hours are not clearly stated on the current contact page.
Payment access
Online portals and automated payment line: 24 hours a day, seven days a week
Company number
04118149
VAT number
240372242
Registered office
3rd Floor, 10 Lloyd's Avenue, London, England, EC3N 3AJ
General postal address
CDER Group Limited, PO Box 58, Darlington, DL1 9AE
Complaints post
CDER Group, PO Box 81793, London, EC3P 3GE

Before You Contact or Pay CDER Group

Check the CDER reference, client reference, original creditor or court, debt type, warrant or liability order, balance, fees and deadline shown on the correspondence.

If the debt is not yours, the address is wrong, a vehicle or goods belong to somebody else, or you require extra support, use CDER's official evidence and welfare routes promptly and also contact the instructing authority where needed.

Bailiff Advice is not connected with CDER Group. We cannot access a CDER account, verify its live balance or take a payment towards the enforcement debt.
Check Your Wider Debt Options

Contact information was checked against CDER Group's official website and Companies House on 13 July 2026. CDER publishes different numbers for different HMCTS functions, so verify the route on the official contact page and your genuine correspondence before sending money or personal information.

Wider unaffordable debts

What if CDER Group is only one of several debts?

A payment arrangement with CDER may deal with one enforcement account without resolving your wider financial difficulties.

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  • A personalised financial fact-find with a UK-based adviser.
  • An assessment of whether an IVA may be suitable.
  • A clear explanation of IVA fees, risks and alternatives.
  • No obligation to proceed after discussing an IVA.
  • Preparation and administration of an IVA where appropriate.
  • More than 21,000 IVAs approved for customers.

If an IVA is not suitable

  • We can offer a referral with your agreement.
  • There is no charge to you for the referral.
  • A trusted affiliate carries out its own assessment.
  • The affiliate may consider a DRO or DMP.
  • The affiliate explains its own service and any fees.
  • You are under no obligation to proceed.
Bailiff Advice is a trading style of My Debt Plan Ltd, which provides IVAs only. All personalised financial advice and financial fact-finds are provided by UK-based advisers. Lucy Novo Deakin is licensed to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association. My Debt Plan Ltd does not directly provide Debt Relief Orders, Debt Management Plans or bankruptcy services.
Do not assume that submitting an enquiry or discussing an IVA automatically stops CDER enforcement. My Debt Plan Ltd has company number 10992838, registered office Alexandra Court, Carrs Road, Stockport, SK8 2JY, and ICO registration ZB284067.

What to do now

Your CDER Group action plan

1

Verify the CDER correspondence

Confirm the company, case reference, client reference and contact route using the official CDER website.

2

Identify the original debt

Check the council, court or creditor, debt type, relevant period and enforcement authority.

3

Check the deadline and fees

Record the date and time and request a complete written balance.

4

Choose the correct response

Pay, propose affordable instalments, provide evidence or contact the original creditor.

5

Protect goods and vehicles

Gather ownership, finance, disability and work-use evidence where relevant.

6

Keep written confirmation

Save payment receipts, arrangements, evidence, complaints and confirmation of any enforcement hold.

Act before the CDER deadline rather than waiting for an enforcement agent to attend.

Need help dealing with CDER Group?

Speak with a UK-based adviser about your wider debts and whether an IVA may be suitable. My Debt Plan Ltd provides IVAs only. If an IVA is unsuitable, and with your agreement, it may refer you at no charge to a trusted affiliate for advice about other options.

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Frequently asked questions

CDER Group bailiff FAQs

CDER Group Limited is a private enforcement and debt collection company. It acts for local authorities, government bodies, courts and commercial clients rather than normally being the original creditor.

Government guidance identifies the company as Compliant Data-Led Engagements & Resolutions, commonly branded as CDER Group. The legal company name is CDER Group Limited.

CDER Group is an enforcement company. Its certificated enforcement agents are commonly called bailiffs. CDER also operates as an Approved Enforcement Agency for certain HMCTS fines and warrants.

CDER publishes services covering Council Tax, non-domestic rates, parking and traffic penalties, road-user and clean-air-zone charges, HMCTS court fines, other local-authority debts and some commercial enforcement. Check your letter because the rules depend on the debt and authority.

A CDER letter usually means that a council, court, government body or other client has instructed CDER to collect or enforce an outstanding amount. Earlier bills, penalty documents, court notices or statutory notices may already have been issued.

There is no single step that guarantees CDER action will stop. Depending on the case, you may be able to pay, agree affordable instalments, submit evidence, report vulnerability, ask the instructing authority to correct an error, obtain a statutory protection such as Breathing Space, or consider whether a formal debt solution is suitable.

CDER's customer portals allow many customers to manage an account and set up or request a payment plan. Acceptance depends on the debt, the client's instructions, the enforcement stage and affordability. Obtain written confirmation before assuming enforcement is on hold.

CDER's main published number for Council Tax, parking, traffic penalties and most other cases is 0330 460 5295. Its current contact page lists 0330 159 6553 for HMCTS case queries, while its payment information lists 0330 041 4890 for HMCTS payments. Check the official contact page and your genuine letter before calling.

CDER provides separate official online portals for HMCTS cases and all other cases. Its automated payment route is available through 0330 460 5295, and CDER says its portals and automated payment line are available 24 hours a day, seven days a week.

For cases using the taking-control-of-goods procedure, a Notice of Enforcement is the formal notice normally issued before an enforcement agent takes control of goods. It should identify the debtor, creditor, amount, enforcement authority, fees, payment methods and deadline.

For standard cases governed by the Taking Control of Goods Regulations, at least 14 clear days' notice must normally be given. For an eligible non-business debt, a qualifying request made by a debt advice provider before the deadline extends the minimum to 28 clear days. Separate rules can apply to commercial rent arrears and some HMCTS matters.

Yes. Once the applicable notice period has expired, an enforcement agent does not normally have to give an exact appointment time before attending.

For ordinary Council Tax and parking enforcement at a home, CDER cannot normally force entry on the first visit. Different powers can apply to unpaid criminal fines, where forced entry is permitted only as a last resort, and when an agent is lawfully re-entering after goods have already been controlled.

Not for an ordinary Council Tax or parking debt. CDER is an Approved Enforcement Agency for HMCTS and an authorised officer may execute a valid arrest warrant in specific criminal-court or community-penalty cases. The warrant and identity should be checked immediately.

You do not normally have to open the door for ordinary Council Tax or parking enforcement. You can speak through a closed door, ask for identification and request a written balance. This general rule should not be relied on without checking the type of warrant, particularly for criminal fines.

CDER may clamp or remove a vehicle belonging to the debtor if it is not exempt. Vehicles owned entirely by another person, qualifying disability vehicles and some vehicles personally essential for work may be protected, but evidence may be required quickly.

After lawful entry, an enforcement agent may take control of qualifying non-essential goods belonging to the debtor. Essential household items, qualifying work tools, protected disability items and goods owned entirely by another person should not be taken.

Goods owned entirely by another person should not be taken for your debt. The owner should provide evidence such as receipts, bank statements, finance agreements, warranties or other reliable records of ownership.

Contact CDER immediately. A missed payment may cancel the arrangement and allow the case to progress to a visit or further enforcement. If goods are already covered by a controlled goods agreement, CDER may seek to re-enter and remove them after following the relevant process.

The original authority may accept a payment, but that does not necessarily recall CDER's instruction or remove enforcement fees already incurred. Ask both CDER and the instructing authority to confirm the remaining balance and whether enforcement has formally been withdrawn.

For relevant standard non-High-Court instructions received by the enforcement provider on or after 1 May 2026, the fixed fees are £79 at compliance, £247 at enforcement and £116 at sale or disposal. A 7.5% fee can also apply to the part of the amount above £1,900. Older cases and other enforcement types can use different fees.

A compliance fee may potentially apply to each separate enforceable instruction or liability order. Ask CDER for an itemised breakdown identifying every debt, order, instruction date and fee.

Contact CDER and the instructing authority immediately. Submit evidence through CDER's official evidence route and ask for written confirmation of any temporary hold. Liability is normally decided by the council, court or original creditor rather than CDER alone.

Ask for a copy of the notice, the address used and details of when and how it was sent. Provide proof of current and previous addresses and contact the instructing authority about earlier documents sent to the wrong place.

Contact CDER promptly and provide reasonable evidence showing who occupies the address. Keep proof of ownership for vehicles and valuable goods. You do not become liable for another person's debt merely because correspondence was delivered to your property.

CDER publishes a Welfare Team number of 0330 0414 800 and the email welfare@contactcder.co.uk. Tell CDER how your circumstances affect communication, affordability or the risk created by a visit. Reporting vulnerability does not automatically cancel the debt.

Use CDER's official complaint form or send a written complaint with a timeline, evidence and the outcome requested. CDER's contact page lists customercare@contactcder.co.uk for non-HMCTS cases, and its complaints page lists hmcts-complaints@contactcder.co.uk for HMCTS complaints. Also complain to the instructing authority where appropriate.

A qualifying debt may be included in Breathing Space. Once the creditor and enforcement company are correctly notified, most enforcement action and additional interest, fees or charges relating to the protected debt must pause for the applicable period. Some debts and actions are excluded.

An IVA may affect qualifying debts and enforcement, but it does not automatically stop every CDER case or every action immediately. Criminal fines, secured debts, the enforcement stage and any goods already controlled must be checked before relying on an IVA.

Bailiff Advice is a trading style of My Debt Plan Ltd. My Debt Plan Ltd provides Individual Voluntary Arrangements only. All personalised financial advice and fact-finds are provided by UK-based advisers. If an IVA is unsuitable, and with the customer's agreement, My Debt Plan Ltd may make a no-charge referral to a trusted affiliate for advice about other options.

Official sources

Sources used for this CDER Group guide

CDER-specific details come from CDER Group's current official website and Companies House. Enforcement rights, notice periods and fees are based on current legislation and government guidance for England and Wales.

Legal note: This page provides general information rather than legal advice. Liability disputes, ownership claims, court applications and enforcement remedies depend on the documents and facts of the individual case.

Need help with CDER Group and wider debts?

Speak with a UK-based adviser about whether an IVA may be suitable.