Bailiff Help: Know Your Rights


It seems rather straightforward, doesn’t it? Cambridge English Dictionary defines “bailiff” as: “1. an official who takes away someone’s possessions when they owe money.”  Unfortunately, when it comes to dealing with bailiffs in the real world, “straightforward” is not always the result. Bailiff services, both free and public, is a growing industry.

First, know that you are not alone. Problems with debt and bailiffs are growing so fast that there is a national movement afoot for Bailiff Reform. This reform seeks a consistent method of complaint and redress due to constant queries concerning unlawful actions. As debt is also a growing national problem, your first choice should be solving the problem.

Before encountering a bailiff, it is always best to know your rights. While this can seem daunting, and excessive debt stressful enough, there are processes and procedures in place to protect and help you.

Second, there is help! Since debt never needs to get to the point needing bailiff to visit, consider contacting the Debt Advisory Service for bailiff help.

With this private, professional service you can learn methods of changing, limiting, and reorganising your current debt. You can receive unbiased profession debt counselling. Depending upon the amount of debt, the number of debtors, your expenses, income and other factors an IVA might be in your future.

The great beauty of the Individual Voluntary Arrangement is that it is legally binding, creditors cannot continue to solicit you and, in most cases, the bailiff never even knows who you are. You have solved your problem before courts, magistrates and bailiffs are ever necessary.

However, let us say your debt just caught up with you. While courts, magistrates, and bailiffs could be in our future you have rights and protections in place as well:

  • By rule and government procedure you are required to get notice of intent to visit your property seven days before the bailiff arrives. Even then, their desire to end the problem amicably should prevail.
  • They should have, and you should ask for proper ID and badge
  • Did you know that you don’t automatically have to let them in your home?
  • Did you know that unless they have been in your house before they cannot force entry except in specific instance?
  • If you know that a visit is likely, make sure you do not leave any external doors open.
  • If bailiffs have not already taken details of your car, hide it well away from your property or lock it in your garage.
  • Parking your car in your driveway may still get it clamped and removed.
  • While avoiding your debt will eventually cause problems, bailiffs will often look for the highest value item that solves the problem. The car, necessary for income that gives you and your family transportation to school or work is often a target.

When you need it, knowing where you stand as far as bailiffs are concerned is essential! This knowledge can save you time, worry, money, and feeling out control.






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