Many people owe money to local courts and companies. It is not an uncommon occurrence. However, the problem starts when one is unable to make a timely payment. In such circumstances, one may be threatened by a visit from bailiffs to collect debts on behalf of creditors.
Such circumstances can be overwhelming and scary, especially if you do not know the best course of action. Remember that there is always a way for you to protect yourself during a visit from bailiffs over a debt-related problem.
Here is how you can deal with bailiffs during a debt-related issue.
- Get Proof of Identity
You have the right to ask anyone regarding their purpose of visiting your home. This rule does not exclude a bailiff. You can ask a bailiff about their purpose of visit. Remember that there is a difference between a debt collector and a bailiff.
If the visitors say that they are debt collectors, you can tell them to leave as they do not hold the same power as bailiffs. Even if someone says they are a bailiff, you do not have to let them in without asking for proof of identity.
You can ask them for their badge, ID card, or certificate. This will also show you the company they are working with. Hence, you can ask for the contact information of the head office and get in touch with them regarding the matter.
- Check if They can Enter
You cannot let anyone claiming to be a bailiff to enter your home without reliable legal advice. Once you confirm the identification of the bailiff, remember that it is not always legal for them to enter your property. You can only let them in if they are collecting unpaid magistrates court fines or tax debts from revenue and customs.
They will also have to prove what you owe on a document called a writ. Another important thing you can do is see if they have any documents with the right dates, official signatures, and your correct name and address. Remember that you are not bound to unlock your door even if everything is proven.
An important thing to remember is that bailiffs cannot damage your property to get inside your property. They are only allowed to use reasonable force, meaning the best they can do is bring in a locksmith to unlock your door.
- Keep Calm
Being aggressive is one of the biggest mistakes you can make while being visited by the bailiffs. Of course, it is your right to protect your property, but it is best to do this by the book and leave the aggression aside. Getting aggressive or attacking a bailiff can result in worse circumstances.
Attacking a bailiff can also result in an arrest. Therefore, it is important to stay calm and get help with bailiffs. You can consult a professional and ask them for the best course of action in case a bailiff enters your private property.
- Sign a Controlled Goods Agreement
Many people cannot make the payments, which is why bailiffs must get involved in the situation. If you are also in the same situation, signing a controlled goods agreement is a good idea. Otherwise, they can take away your goods anyway.
You can ask the bailiff for a list of goods and ask for anything that does not belong to you to be removed. Any negligence or lies in this step can be counted as a criminal offense. Once done, you can settle for a realistic payment plan because a bailiff can take away your goods in any other case.
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