What's The Difference Between Debt Collectors and Bailiffs?
There are many differences between a Debt Collector and a Bailiff. If either of them come knocking at your door it's important that you understand these differences so you are equipped to handle the situation.
Bailiffs: No Forced Entry Allowed - The First Time
A Bailiff can only get involved after you have been to court about your debts and you have still not come to an agreement with your creditors. They can also visit if you fail to keep to the terms and conditions of the court order. The only exception to the rule is that HMRC can send bailiffs for income tax or VAT debts without the need for a court order. Bailiffs can either be employed by a private firm or by the court. It's important to know that you don't need to grant them access. An appointed bailiff can visit at any time to seize goods but aren't allowed to force access; they can however enter through any unlocked doors or open windows. Once a bailiff has entered your property, they are then allowed to re-enter without permission, using force if needs be.
No Right of Entry for Debt Collectors
If you get a knock on the door from a debt collector - don't panic. Debt collectors are appointed by creditors and aren't court officials, they don't have the same powers as bailiffs. They aren't legally allowed to enter your home or seize your possessions. They can only phone, write or visit your home to discuss your debts and how to pay it back. If they act in a threatening way then contact the police and trading standards.
Proof of Identity and Paperwork
Both Debt Collectors and Bailiffs should show proof of identity when they knock and have the relevant paper work to hand.
Related Articles:
- What To Do If You're Being Harassed by Creditors
- Illegal Debt Harassment - Your Rights
- Are You Being Harassed By Debt Collectors?
- What Bailiffs Can Legally Do
- What Can A Bailiff Take From Your Home?
- Walking Possession Agreements
Site is for information only and does not constitute financial advice. E&OE.
