It’s always best to call the police on 999 if you are being physically threatened by a bailiff.
You should ensure to get proof of who the bailiffs are. Bailiffs should:
- Carry proof of who they are (usually an identity card)
- Tell you which company they work for
- Provide the telephone number of their head office
- Give you a breakdown of what you owe
They should pass these documents through the letterbox where possible, or at least show them to you through a window. Contrary to popular belief, debt collectors are not the same as bailiffs. If they say they are a debt collector, tell them to leave, as they do not have the same powers as a registered bailiff.
A bailiff isn’t allowed to force entry unless it’s for special reasons, such as enforcing a debt owed to the government (see section 9.34 – dealing with the extent of bailiff powers). They will normally leave if you refuse to let them in, but they will be back if you do not arrange to pay your debt. Thus, it is important to do this as quickly as you can; otherwise, fees can be added to your debt. If they threaten physical violence such as breaking down your door, you don’t have to let them in, especially if you feel afraid for your safety.
If you allow a bailiff into your home, but you cannot afford to pay what you owe them straight away, you will normally have to set up a repayment plan. This plan may include paying some bailiff fees and must be made in your presence or the presence of someone acting on your behalf.
NB: The repayment plan can also be made without letting the bailiffs into your property
9.31