% of all profits to charity, chosen by our clients
% of all profits to charity, chosen by our clients
Kapar (Kernow Asset Protection and Recovery) is a security company in Exeter that covers the whole of Cornwall. We provide security services in Exeter as well as security services in Plymouth. We offer a range of services which come under our two separate departments. These are our Enforcement department and our Security department.
As the number 1 rated security company in Exeter we cover all areas of security services. Our enforcement department cover areas such as debt collection and recovery, evictions, traveller removal, court enforcement processes and process serving. We are endorsed by the Certified Enforcement Agents Association.
Recovery can also refer to the task of recovery of assets that have been wrongfully taken either stolen, fraudulently misappropriated or otherwise disposed of to remove them from their rightful owner.
If you are looking for a security company in Exeter to recover outstanding debts then Kapar is your go to company. Debt collection is the process of pursuing payments of debts owed by individuals or businesses.
Unfortunately debt and debt recovery have a very long history, so it is absolutely vital that you rely on a reputable security company with up to date knowledge of government legislation to help you if you require help.
Kapar have extensive experience of dealing with all kinds of issues relating to debt recovery and court enforcement and we have extensive experience of debt collection throughout Cornwall. Kapar has been used as a security company in Exeter and collectively we have over 150 years worth of experience!
Some interesting facts from Kapar!
An organization that specializes in debt collection is known as a collection agency or debt collector. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed.
Debt collection has been around as long as there has been debt and is older than the history of money itself, as it existed within earlier systems based on bartering. Debt collection goes back to the ancient civilizations, starting in Sumer in 3000 BC.
In these civilizations if a debt was owed that could not be paid back, the debtor and the debtor's spouse, children or servants were forced into "debt slavery", until the creditor recouped losses via their physical labour
Under Babylonian Law, strict guidelines governed the repayment of debts, including several basic debtor protections. Fortunately in today's modern times debt recovery is much more straightforward!
In some societies debts would be carried over into subsequent generations and debt slavery would continue. However some early societies provided for periodic debt forgiveness such as a jubilees or would set a time limit on a debt.
Both the Bible and Quran issue stern restrictions regarding how much interest to charge on a loan. The Abrahamic religions discouraged lending and prohibited creditors from collecting interest on debts owed. By the Middle Ages, laws came into being to deal specifically with debtors.
If creditors were unable to collect a debt they could take the debtor to court and obtain a judgment against the debtor. This resulted in either the bailiff of the court going to the house of debtor and collecting goods in lieu of the debt, or the debtor being remitted to debtor’s prison until the debtor's family could pay off the debt or until the creditor forgave it. This gave life to the way we recover debt today.
The person who owes the bill or debt is the debtor. Debtors may fail to pay (default) for various reasons: because of a lack of financial planning or over commitment on their part, due to an unforeseen eventuality such as the loss of a job or health problems; dispute or disagreement over the debt or what is being billed for; or dishonesty on the part of either the creditor or the debtor.
The debtor may be either a person or an entity such as a company. Collection of debts from individual people is subject to much more restrictive rules than enforcement against a business.
Once debtors prisons were abolished during the early 1800s, creditors had no solid recourse against delinquent debtors.
If collateral was involved in the debt, such as with a mortgage, the creditor could take the property in order to indemnify themselves.
However, for unsecured debt, creditors could not collect on their investments if the debtors had no money. Even if a creditor obtains a judgment against the debtor in court, collection remains dependent on the debtor's being able to repay the judgment.
In a transaction involving the sale of goods, the court could potentially order the goods to be seized and returned to the seller, but many lenders and creditors had limited recourse beyond trying to verify a borrower or customer's creditworthiness before entering into a loan or transaction.
Debt collection may involve the sale of a debt to a third party company, sometimes referred to as a "factor" or "debt buyer". The debt buyer purchases accounts and debts from creditors for a percentage of the value of the debt and may subsequently pursue the debtor for the full balance due, including any interest that accrues under the terms of the original loan or credit agreement.
The sale of debts and accounts provides a creditor with immediate revenue, albeit reduced from the face value of the debt, while shifting the work and risk of debt collection to the debt buyer.
In the UK, debt collection agencies are licensed and regulated by the Financial Conduct Authority (FCA).
The FCA sets guidelines on how debt collection agencies can operate and lists examples of unfair practices.
These guidelines are not law but they represent a summary and interpretation of various legal areas.
Compliance with these guidelines are also used as a test of whether the agency is considered fit to hold a credit licence.
Examples of unfair practices include misrepresenting enforcement powers (e.g., claiming that property may be seized), falsely claiming to be acting in an official capacity, harassment, claiming unenforceable or excessive charges, misrepresenting the legal position to a debtor, and falsely claiming that a court judgement has been obtained when it has not.
The legal basis for these practices comes from section 40 of the Administration of Justice Act 1970.
Kapar runs its security operations all over Cornwall so although we are a security company in Exeter, we are also the number 1 choice for your security company in Plymouth and Truro. Kapar also has a second department. This department is the Security department.
Security is vital for asset protection and stock protection. All of our staff are fully qualified with over 150 years of experience in total. All of our staff are SIA licensed and qualified. Our security operations in Exeter, Plymouth or Truro cover anything from door supervision so whether you own a 1000 person capacity night club or a 100 person capacity cocktail bar.
We can provide you with a friendly and level headed security team. We believe that every venue has different needs, just like every door supervisor has different attributes. We work to provide a higher standard of security by matching your venue to our staff.
We also cover retail security in Cornwall, Did you know, 58% of self-checkout shoplifters defined stealing from a self-checkout machine as easy. One of our core values is diligence, remaining alert and attentive even during sustained periods of in-activity is vital when it comes to prevents loss of retail stock potentially saving £1000's in lost capital.
Another area we cover is event security such music events. Cornwall has a lot of events and we love events, our managing director has over 10 years experience running events of every kind. We understand that ultimately and event is meant as a coming together of people for a common cause, whether it be to celebrate, collaborate or donate.
Security is often the first face you see, all our staff will be approachable and friendly while maintaining a professional demeanour and provide effective security results. All our guards are SIA qualified and the majority are also first aid trained.
We also provide site guards in Exeter, Plymouth and Truro with controlled access. Many of our guards have experience in being site guards and controlling access to premises, whether it's international ports with 1000's of tourists going in and out with vehicle searches or a block of flats for residents. Having a friendly face that know what they are doing can really aid the smooth running of any site whether it be a campus, hospital, industrial estate we have it covered.
We can also provide you with mobile patrols. We offer 3 levels of asset protection to suitably secure you building or site no matter what your budget. We have gold, silver and bronze packages available. If you require nightly patrols, alarm response or key holding then get in touch today to discuss your options and book a free site appraisal. You may notice a reduction in your insurance premium with the service.
As you can see Kapar has a wealth of experience.
If you do require a security company in Exeter or enforcement services in Cornwall then Kapar has to be on your radar.