Bailiffs Guide & Advice – Debts
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Bailiffs – know your rights
A visit from bailiffs can be a frightening ordeal. This guide explains what bailiffs can and can’t do as well as outlines your obligations if contacted by a bailif company. Here we also look at debt collectors and how they differ from bailiffs.
Earlier this year, police received criticism from members of the public who have been exposed to unscrupulous bailiffs. More....
In several cases, police were accused of failing to apprehend bailiffs acting out with their authority. It has been suggested the reason for police inaction is the grey area surrounding bailiffs’ rights. The same however, can be said of debtors, who often find themselves intimidated and at the mercy of visiting debt chasers.
Capitalising on public ignorance, some bailiffs have used illegal means to seize goods, adding additional stress to what is already a traumatic experience. It is therefore important to know your rights when confronted by debt collectors. Here we look at the different type of bailiffs as well as what is legal and what is not.
Warrant of Execution
Your creditor (the person you owe money to) can make a claim against you in the County Court. As a result, a County Court Judgment (CCJ) may be made against you with instruction you repay the debt owed.
Creditors can ask the court to issue a ‘warrant of execution’, which grants bailiffs authority to help recover the debt.
Debt can include any of the following:
- County court judgments
- Unpaid council tax
- Magistrates court fines
- Unpaid Child Support Agency maintenance
- Outstanding rent.
If you have had dealings with bailiffs we would appreciate your feedback. Our debt Forum is the place to post a message or check out what other people have to say on bailiffs or any other matter pertaining to personal finance. Keep up-to-date with the latest information on bailiffs by visiting our debt News section. Debts has all the news concerning loans and personal finance in the UK, as it happens.
Don’t miss our section on bankruptcy which may help you keep some possessions and call off the creditors.
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