Are you worried every time there is a knock at the door? Scared to open your post in case it is another warning from a debt collector? Do not be. The following article exposes the legal rights of these debt collectors (or bailiffs) so you can be rid of your fears & start getting back in control of your finances.
If you owe a creditor money & are struggling to make repayments, they may try to use a debt collector. For years there has been much confusion over what they are actually entitled to do. Can they forcibly enter your home? Can they break a window to get in? Once they are in your home what can they do?
The image painted of these debt collectors is often over-exaggerated & inaccurate; Big burly men in black jackets, making physical threats in order to gain entry to your home. Barging past as you open the door. This picture is far from the truth. As with all industries, there are regulations to be adhered to. For the minor who does not follow these guidelines, the government is currently turning it's attention to expose these law-breakers & revoke their licenses.
In the majority of cases, you will experience no such thing. If the creditor you owe has any sort of reputation to reserve, you can be assured that they will be using a reputable debt collection agency.
What they can and can not do
If a debt collector visits your home, you DO NOT have to let them in. They can not force their way into your home. This includes pushing past you as you open the door. They can even enter if the door is unlocked & can even gain entry through an open window. The advice here is to close all windows & to make sure your door is locked if you think bailiffs will be visiting your home.
Once a debt collector does not gain entry to your home by peaceful means, they can legally force their way in on any outstanding visit.
Once in, what can they take
First and foremost, they can not take anything that is classed as essential. These things include clothes, cookers, fridges, your bedding & most of your furniture. They also can not take anything that you require for work, such as a computer or a phone … etc.
They can take things that are non-essential such as your TV, games consoles & computers that are not required for work. They can also take your car.
Ultimately, you are in control. If you do not let a collector collect in your home, they can not take any of your possessions.