When it comes to bailiffs there is a lot of uncertainty about a number of things. Legally speaking, everything is very plain and clear, but the general public does seem to be in the dark about a lot of the issues surrounding bailiffs. For example, what can bailiffs take?
Bailiffs have a very strong code of conduct that they must abide by, and one of the most heavily enforced codes is what they can and cannot take. For a start, they cannot enter your property without your permission or a warrant from the court. There are also specific times that they can enter and there are rules relating to who should be on the property and the exceptions to this rule. There are even rules as to how they can enter a property. If any of these laws or codes are broken then they could be in serious trouble.
Bailiffs can take the following items;
Computers and laptops
Other luxury items that are deemed ‘non-essential’
Bailiffs cannot take these items;
Essential items for the home such as beds, fridge, freezer, cooker, clothes
Work tools providing they do not amount to more than £1,350
Vehicles used for work such as a van
Somebody else’s belongings, including your children’s possessions
Anything on hire purchase
What Can Bailiffs Take for Council Tax?
Bailiffs are used in a variety of different situations for a number of different clients. Local councils use them frequently to recoup council tax that has not been paid. Again, the uncertainty surrounding the rules and regulations has led people to ask if bailiffs can take different items to pay off a council tax debt than another form of debt. So, what can bailiffs take for council tax?
Very simply, a council tax debt is no different to any other debt in the sense that its retrieval is enforced under the same rules. Whether you owe council tax or a magistrates court fine, the process is just the same.
Bailiffs can take luxury items such as electronic equipment and vehicles to pay for your council tax but they are not allowed to remove anything that is essential to the household. This could be anything from a car needed to transport a disabled person, to clothes. Incidentally, it’s worth noting that a debt collector and a bailiff are very different from each other. Only the bailiff has the power to enter your home. A debt collector can be as nasty as they like but they cannot enter your property by law, so make sure you know the difference if one should come calling.
Can a Bailiff Take my Partner’s Car?
Yet another question revolves around the issue of ownership. A frequently asked question is, Can a bailiff take my partner’s car? In a word, no. Under the rules of what bailiffs can take it clearly states that the property being repossessed must be owned by the person who is named on the warrant. Your partner may live with you but if they are not named on the warrant then the bailiff cannot remove it.
Can Bailiffs Take Pets?
Can bailiffs take pets? This may sound like a bizarre question, but
it perfectly illustrates just how much confusion there is surrounding what people understand about what bailiffs can and can’t take. Thankfully, the answer to this question is also no. Your pet is perfectly safe from a bailiff.
Can Bailiffs Take Sofas?
A trickier question to answer is Can bailiffs take sofas? If the sofa is on hire purchase, no they cannot. By
they have to leave you with enough chairs for everyone in the household to sit on as this falls under the ‘required for basic domestic living needs’ category. So, providing your sofa meets both of these requirements they cannot remove it.
What Can Bailiffs Take if I Live with Parents?
What can bailiffs take if I live with parents? This is of great concern to people who are living at home as they feel like their parents should not be punished for their financial situation. Fortunately, the same rules apply here that apply to ownership of goods if you had your own home. Bailiffs are not allowed to take other people’s possessions to pay off your debts; the responsibility lands squarely on your shoulders so your parent’s possessions are safe. test
*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.