Bailiff Advice Guide

A free resource with all the information you need to handle bailiffs properly.

Key Facts

Your Rights

The Law

Complaints

Bailiff Debts

Bailiff Companies

Resources

The UK's First Bailiff Relief Charity.

We are a charity that helps people who are facing bailiff action.

Our aim is to aid the prevention or relief of poverty amongst persons who are in debt.

Defaulting on Bailiff Fees

A guide to the consequences of not paying the bailiffs fees.


Bailiff Fees - Introduction

Bailiffs charge fees for their debt collection services.  These include fees for contacting you, enforcement (collecting your belongings) and selling your goods as well.  Each step of that process incurs an individual fee, sometimes a percentage charge on the amount of money owed depending on how much you owe and sometimes further expenses associated with collecting the debt.

Once all of the bailiff's charges have been deducted from the value of the sale of your goods, you may still owe money.  

What happens if I can't pay the bailiff's fees?

You are still liable for the bailiff's fees and the money you originally owed to your creditor.  You will need to pay these fees or face court proceedings and potentially imprisonment. 

Sale of Goods

If the value of the sale of goods organised by the bailiff does not cover the fees and debt owed you will need to pay the bill.  If the bailiff's fees are not covered because your belongings did not sell you can try to sell the goods yourself to raise the money needed.  See more on taking possession of your goods and paying the bailiff.

Debt Solutions

If you do not have enough money or belongings to repay the debt you could consider a formal debt solution.

- Try speaking to your creditor to see if they will accept a lower final settlement.
- Your creditor may consider writing off some or all of the debt if there is no realistic chance that you will be able to raise the money needed to repay the debt.
- Consider insolvency, a debt relief order or bankruptcy.

We can help you arrange a debt solution today and prevent further bailiff action. Call and speak to an adviser to find out more.  01736 888 254.

If you do not take some kind of action to repay the bill, arrange a formal debt solution or get the debt written off then the bailiff will take steps to force you to pay.  This can involve court action or in some situations imprisonment.

Imprisonment

You will only go to prison if you cannot repay your debt or the bailiff's fees in these limited circumstances:

- The debt is for a magistrate's court fine.
- The debt is due to a criminal conviction.
- The debt is maintenance or child support arrears.
- The debt is community charge arrears.

You can also go to prison for not paying your debt if you do actually have enough money to pay your debt but you 'willfully refuse'.  This is sometimes referred to as 'culpable neglect' whereby you ignore the demands and do not pay.

 

 

 

The UK's First Bailiff Relief Charity.

We are a charity that helps people who are facing bailiff action.

Our aim is to aid the prevention or relief of poverty amongst persons who are in debt.