Should I let a Bailiff or Enforcement Agent into my home?

If a Bailiff visits your home we always recommend that you don’t answer the door. Bailiffs and Enforcement Agents often give the impression that they have unlimited power and you must do what they instruct. This idea has been borne out of fear. Many people don’t realise they can’t force entry into your property. They can only ever enter if invited by you or use force under certain circumstances (which we can discuss). It is important to note that if you do let them in voluntarily they can make a list of your goods (known as a levy) to eventually sell in order to pay the arrears that you owe. If you are in any doubt or need further advice then we would be happy to hear from you.

If a Bailiff or Enforcement Agent visits, what should I do?

It’s important to protect yourself, your family and your property. We always advise that you should never open the door to Bailiffs and Enforcement Agents. This removes any risk of them forcing their way past you and into your home. If you do need to speak with them, we recommend that you do so through a window, locked door or mobile phone. This may sound extreme, but protecting yourself is the priority. Knowing how to deal with Bailiffs and Enforcement Agents can be an advantage – but we would also recommend addressing the issues that lead to Bailiff action in the first instance.

What if a Bailiff or Enforcement Agent comes into my home?

Unfortunately, if you have voluntarily let a Bailiff or Enforcement Agent into your home they are allowed to force entry should they return. If you find yourself in this situation you need to act quickly. If you don’t want to give the Bailiff or Enforcement Agent this option, bear this in mind before answering the door to them. Even if you don’t let them in they can still remove goods from outside your property. Common items they seize are cars, motorbikes and scooters. We always recommend parking them in a looked garage on your property or alternatively away from your home. Only do this if it’s safe and secure to do so.

When can Bailiffs or Enforcement Agents force entry?

Many people are unaware that Bailiffs are not usually allowed to force entry into your home. The most common way in which Bailiffs gain entry to your property is by being voluntarily let-in by household tenants. This usually happens after threats are made about breaking down the door should they not be allowed in. If they manage to gain what is classed as ‘peaceful entry’ this then allows them to use force on their next visit – if required. The only other instance where they have permission to force entry is when the court has given them permission. Bailiffs and Enforcement Agents often claim they have this permission. In our experience they rarely have this. In order to deal with this situation effectively make sure you have had the appropriate Bailiff advice. Get in touch if you need any help.

Making a payment arrangement

You can offer to pay your debt off in regular weekly or monthly amounts instead of having to pay it all off at once. We have helped UK residents to arrange a payment plan with Bailiffs. This process is then extended to include all other unsecured creditors.

Meaning you can consolidate all your debt payments into one affordable monthly payment.

You will have a better chance of getting the bailiffs to accept your offer if it’s realistic and affordable, that’s where our experience and relationship with the creditors really helps.

Bailiffs are authorised by the court to visit debtors property in order to collect debts which may be owed to their clients. They are usually used for council tax bills, parking fines, court fines, CCJ’s and family judgements.

The powers held by bailiffs are often confusing, so contact us for clear, impartial free debt advice.

Bailiffs (also called ‘enforcement agents’) visiting your home can be a stressful experience but you have rights and you shouldn’t be bullied.

Bailiffs are only allowed to try to come into your home between 6am and 9pm.

You shouldn’t let a bailiff into your home – it’s always best to try to sort out your debt by keeping them outside and speaking through the door or over the phone.

Make sure your doors are locked and your windows are closed – bailiffs are allowed to come in through unlocked doors. If you have a porch with a lockable door you should lock this too.

Depending on the kind of debt you owe, the bailiff will sometimes have the right to force entry by asking a locksmith to open your door if you won’t let them in. It’s very unlikely they’ll do this – you should still have the chance to pay without them coming in.

Call the Police on 999 if you’re being physically threatened by a bailiff – don’t let them into your home.

If you’re currently worried about your finances, have unsecured debts from personal borrowing and would like to speak confidentially to an advisor who can talk to you about the benefits and considerations of a range of debt solutions and personal insolvency solutions, then please get in touch by calling 0114 331 0095

The advice comes without judgement, without obligation and is on your terms and time.

Read more about your rights and Bailiff action during Corona virus lockdown; https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/bailiffs/stopping-bailiffs/stopping-bailiffs-at-your-door/

Visit www.mypaymentplan.co.uk to request a call back at a time to suit you. By requesting a call, you are under no obligation to use our services. My Payment Plan provide solutions to customers living in the United Kingdom.

Should you choose to undertake a plan or arrangement, there may be consequences to consider, including restrictions on future expenditure, lending and on your ability to obtain further or future credit. Fees, terms and conditions apply. For further information and advice please visit www.mypaymentplan.co.uk.

The services that we provide may be available at no cost from other government and charity based providers. Further information can be obtained from the Money Advice Service.