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.

Vulnerable People

Vulnerable people have certain legal protection when bailiffs are taking action against them.


What is Vulnerable?

A person is deemed vulnerable if it is considered unreasonable for that person to deal with the bailiff problem themselves.

The law does not define exactly what a vulnerable person is however, this is a good guide as to what counts as a vulnerability:

- An older person
- Disabled person
- Someone who is seriously physically or mentally ill
- Someone who is suffering a recent bereavement
- Single parent
- Pregnant women
- Unemployed
- Unable to understand written or spoken English.

Rules for bailiffs taking action against vulnerable people.

Firstly there are items that are restricted and a bailiff cannot take if the person is vulnerable.  These are:

- Items needed for medical care.  This can be for the care of anyone in the home.
- Items needed for the care of anyone under the age of 18.
- Items needed for the care of an elderly or disabled person.
- Assistance animals such as guide dogs or hearing dogs.
- A vehicle displaying a blue disabled badge.

The law says that bailiffs must:

- Ensure that a vulnerable person has the opportunity to get help and advice to deal with the bailiff's action before they take goods or charge fees.
- Not take certain belongings necessary for older or disabled people.
- Not take goods where the debtor is a child under the age of 16.
- Not make a controlled goods agreement with anyone under 16
- Not enter a home or premises when only a child under 16 or vulnerable person is present.
- Not take goods when a child under 16 or vulnerable adult is the only person in the home or premises.

 

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.