Fear of Debt Collectors and Bailiffs

19 April 2012

It is reported that there are hundreds of people living in fear of debt collectors and bailiffs and whilst many cases are genuine, many more are simple communication failures.  They can be called in for debts on credit cards, monies owing to banks and utility companies as well as failure to pay fines.

Bailiffs can only collect certain debts such as unpaid parking fines, County Court Judgments or unpaid Council Tax.  They can take some of your belongings to cover the debt but are not allowed to take essential items like clothes or cookers.  They can only enter your home if you invite them in or if you leave a door or window open.  If they try to force their way in, you can call the Police.  You can refuse them access and ask for proof of their identity and their authorisation to take such funds, a copy of the Court Order showing the money you owe.

Debt collectors do not have the same powers and cannot enter your home or take your possessions in lieu of payment and can write, call or visit you only to talk to you about making a payment.  If you feel that the debt collector is harassing or misleading you, you can make a complaint with the company in question and the local Trading Standards Department but if they are physically threatening you, you can call the Police.

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