CDER Group

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If you have recently received a letter, phone call or even a visit to your home from CDER Group, then one of the companies you owe money to will have sold that debt to them. For many of our clients, this can be an incredibly worrying time.


In this article, we aim to offer you some advice and guidance on how this has happened, how CDER Group tend to operate and what your options are, giving you the best chance of a positive outcome.

Who Are CDER Group?

Based in London, CDER Group are a Bailiff or ‘Enforcement Agency’ who are usually hired by local authorities across the UK to collect outstanding Council Tax debt and Parking fines that they have failed to collect themselves. Companies like CDER Group will buy these debts from local authorities at a fraction of their face value and collect the original value, giving them a profit.


It is important to realise that once the debt has been sold to CDER Group, you will no longer owe money to your local authority and only to CDER Group.


CDER Group are a legitimate company and are considered to be one the UK’s leading ‘Enforcement Agents’. They are also FCA (Financial Conduct Authority) Regulated, so it is highly likely that they will be operating within the law.

IVA (Individual Voluntary Arrangement)

Are your debts getting out of hand? Have you reached the point where each month is a struggle? If so, then an IVA could be the answer.  


With an IVA, you could put all of your unsecured debt into one, single monthly payment that is actually based on what you can afford, rather than how much you owe. 


Once your IVA period has ended, any remaining debt is written off. For many IVA clients, this can be as much as 85% of the original debt!


Take a look at our What is An IVA? article to find out more.

Catalogue Debts Written Off,Catalogue Debt,What is Catalogue Debt?

Why Have CDER Group Contacted Me?

If CDER Group has contacted you, it is likely that you owe money to your local authority, either from Council Tax or a PCN (Penalty Charge Notice) and the local authority has sold that debt to CDER Group. A company like CDER Group will often come into action once your local authority has exhausted their own debt collection options.


Like most debt collection or bailiff firms, CDER Group will use a range of methods to reclaim that debt, including phone calls, letters and even home visits. If you fail to respond to these methods, then they can even take court action.


It is essential, at this point, that you begin to engage with your debt and take action. 

Could CDER Group Take Me To Court?

The short answer to this question is YES. If you fail to engage with CDER Group and their efforts to contact you and discuss your debt, or if you fail to stick to any repayment plans they have set, then they could obtain a CCJ (County Court Judgement).


Once this CCJ is obtained, they will be authorised to begin enforcement action.

An instruction to a bailiff WILL result in them taking action such as, visiting your home and taking items to the value of the debt, applying for an Attachment of Earnings, whereby money will be taken directly from your income or they could issue a Statutory Demand, possibly resulting in you being made bankrupt.

Catalogue Debts Written Off,Catalogue Debt,What is Catalogue Debt?

Who Qualifies For An IVA?

In order to qualify for an IVA, you must fit the following criteria. If you are a resident of Scotland and the rules below apply to you, you could qualify for a Trust Deed.

If you are a resident of Scotland and the rules above apply to you, you could qualify for a Trust Deed.

What Options Do I Have?

Of course, the first option is to attempt to settle your debt with your local authority or CDER Group if the debt has been sold to them. But if you are unable to do this or if your Council Tax debt is only one of a number of debts your struggling with, then there is another way.


By entering into an Insolvency Debt Solution such as an IVA (Individual Voluntary Arrangement), you could tackle your debt by making one affordable monthly repayment towards your debt for a period of five years. This monthly repayment is based upon what you can afford NOT the amount you owe. 


Once the five year period has ended, whatever balance is left to pay is automatically written off. Leaving you to start again.


It is typical for this amount to be around 75% of our client’s debt, however it is not unusual for this write off amount to reach up to 85% of the original arrears.


Below is an example of a real life IVA.

Catalogue Debts Written Off,Catalogue Debt,What is Catalogue Debt?


CDER Group



0330 107 0023



9th Floor, Peninsular House, 30-36 Monument Street, London, EC3R 8LJ

IVA Guides and Information

What is an IVA?

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An IVA can be a great, positive way to help with your debt. Allowing you to continue living your life without the stress of being chased by your creditors. Click to find out more about what an IVA is.

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Whether an IVA (Individual Voluntary Arrangement) is right for you or not will largely depend on your personal situation e.g. debt level, number of creditors, affordability etc. Click to find out more.

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How Does An IVA Work?

An Individual Voluntary Arrangement (IVA) is a debt solution where you agree with your creditors to pay all or part of your debts. When it is completed, any remaining debts are written off. Take a look at our article to find out more.

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Which Debts Can Be Included In An IVA?

Many kinds of debts can be included in an IVA. IVAs are limited to unsecured debts but by solving your unsecured debt problems, you may find paying any secured debt much easier.

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How Do I Apply For An IVA?

Applying for an IVA (Indivudual Voluntary Arranagement) is a fairly straightforward process. Click the button below and a member of our team will contact you and guide you through the process. 

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