Using bailiffs is one way creditors can try to recoup the debt you have accumulated. Bailiffs are usually used for priority debts and normally have a court order to take your goods and sell them.
Once a bailiff takes and sells your goods, the money raised goes toward not just paying your debts – but also paying for the services of the bailiffs. This means that although you don’t always have to let bailiffs in, the more times they visit the more it will end up costing you in the long run.
If your creditors are threatening you with bailiffs, it time you talked to someone about your debt. Your debt may have become unmanageable, but getting debt help can change that. If you’ve been threatened with bailiffs, here’s some information that might help.
When are bailiffs used?
If you already have a county court judgment (CCJ) against you, a bailiff might be used. They are usually used for priority arrears such as council tax, rent, income tax and child support. Debt accumulated from unpaid fines and parking penalties also may call on the services of a bailiff.
What can bailiffs take?
Generally, bailiffs aren’t allowed to take ‘basic’ living supplies – this usually means things like basic household goods, bedding, furniture, and clothing. What bailiffs can and can’t take will somewhat be determined by what the debt was for. Items not considered ‘basic’ are often electrical goods like stereos and DVD players.
Can bailiffs seize other people’s belongings that are inside my house?
Generally, bailiffs will only take things that belong to you. However, there are some exceptions. Goods that you are a joint owner of may also be seized, even though you are not the sole owner. The rules also change for rent arrears, where bailiffs are usually entitled to take anything that is within the house - regardless of whose property it is.
What do bailiffs do with the goods they take?
Once your goods are seized they will be auctioned and sold. Once all the seized goods are sold as second hand, the money will go to cover the bailiffs costs first, and everything else will go to your creditors. If the sale of goods doesn’t cover all the money you owe, you will still be indebted to your creditors.
What if I’m on benefits – can bailiffs still take my goods?
If you are on income support, job seekers allowance or another benefit, your local authority may have a ‘code of practice’ which will allow you to make small repayments to the bailiffs instead. Contact a local advice agency for further information.
If you’ve been threatened by debt collectors or bailiffs, read our guide on Dealing with Bailiffs: What to do to understand your rights. Contact the Debt Advice Trust for further information on bailiffs and for advice on debt solutions.
