Getting into debt beyond your control is sometimes unavoidable and it takes very little for the situation to escalate. A creditor will normally have tried on a number of occasions to retrieve a debt that is owed to them, but if they have had no success then they may have no other choice but to get bailiffs involved to put an end to the situation. If you receive bailiff correspondence regarding an outstanding debt then you’ll want to know how to stop them.
Bailiffs are acting on the behalf of their client, i.e the person, authority or company that has hired them, and their objective is to get a positive outcome for them. Any leniency on their part will come from the creditor, not the bailiff themselves. The key to stopping them is dialogue; contact the bailiff as soon as possible. They may be able to arrange a settlement with their client that will put a stop to their involvement being required.
Stopping Bailiffs at your Door
The general public are usually afraid of bailiffs because they are unsure about how much power they really have and don’t know what to do when confronted by one on their property. These are the facts you need to know about stopping bailiffs at your door;
They don’t have the same authority as the Police - they can only force entry with a warrant.
They can’t turn up unannounced - they must give you notice of their impending arrival, usually seven days.
They must haveID- if they don’t have their ID you can refuse to deal with them.
They CANNOT force entry - they can only enter through a door with your expressed permission or with the right court order. You DON’T have to open the door to them.
Don’t open the door - if you do this can be seen as an invitation to come in and they can take valuables to cover the debt. Do all your negotiations through a locked door or window.
Pay them - the only time you should open your door to them is if you are paying off the debt on the spot. Make sure you get a receipt if you are doing this!
They have working hours - they can’t come to your home between the hours of 2100 and 0600.
Empty your driveway - they are allowed to take items from outside the home such as vehicles and bikes.
How to stop Bailiffs entering your Home
Here are a few pieces of advice in knowing how to stop bailiffs from entering your home;
Pay them! - The longer a bailiff is involved in the situation then the more expensive it is going to get. If a bailiff is involved then there will be additional fees topayontopifthedebtyoualready owe, so think carefully about dragging it out for longer than it has to go on.
Bargain with them - if you can’t afford to pay what you owe outright, ask the bailiffs if you can enter into a payment scheme with them instead. Two points about this one 1) Don’t overstretch yourself and agree to payments that you know you can’t keep, and 2) The bailiff doesn’t have to accept your offer.
Security - Keep all your windows and doors locked. If they can gain access to your home via ‘peaceable means’ they are entitled to do this. If they gain entry then they can start to remove your possessions if you are unable to pay.
Help stopping Bailiffs Now
If you need help stopping bailiffs now because the stress has become too much then get in touch with us by completing the attached form. We can give you advice on how to stop the bailiffs, including what they can and can’t do, suggest possible alternative financial arrangements and give much-needed moral support. Bailiffs coming to your door is an emotionally charged event, but there is no need to let them call the shots because you don’t know what to do. Get in contact now and together we can work out the best way of remedying your situation.
*Up to 85% of debt can be written off in some individual cases. Depending on your own situation, the amount which can be written off will vary from person to person. Realistic levels of debt to be written off are between 20% and 85%, however this depends on your current credit policy, income and personal assets.
Your information will be passed to a third party organisation working on a model of none advice. These advisors will be able to talk through IVA (Individual Voluntary Arrangement) opportunities with people within England, Wales and Northern Ireland. Help can only be offered following a thorough fact-finding process. When an individual meets the required criteria for an IVA, advice can then be provided.
Help and advice given will be through registered insolvency practitioners with all necessary expertise. Debt Advisory Service, along with any third-party organisations, will not give advice with regards to Debt Management Plans (DMPs). Professional debt counselling and credit services are available free of charge from specialist Money Advice Services.
If Debt Management is the option you want to proceed with, All advice will be provided by the Debt Management company.