My debt has been passed to a bailiff, what do I do?

You still have options. Here’s what it means, what bailiffs can and can’t do, and how to stop or manage enforcement.

Don’t panic. Act quickly and keep your doors locked.

Call us on 0161 527 7531 if you’ve had a notice or a visit.

Your creditor has instructed an enforcement agent to collect. They must follow strict rules.

You’ll usually receive a Notice of Enforcement. If valid and ignored, a bailiff can visit after 7 clear days and add fees.

Visits can only take place between 6am and 9pm, and entry must be peaceful (through an unlocked door) unless special powers apply.

You don’t have to let a bailiff in. Keep doors and windows locked and speak through the door.
Bailiffs must show ID and tell you who they’re acting for.
They cannot take essential household items or tools of the trade up to the allowed value.

Compliance fee (added when a Notice of Enforcement is issued), enforcement fee if they visit, and sale/disposal fees if goods are removed for sale.

Stopping enforcement early can avoid further fees.

Contact the bailiff office (details on the letter) to propose an affordable payment plan.
If vulnerable (e.g., serious illness, disability, recent bereavement), tell them — extra protections may apply.
If you can’t pay in full, get advice immediately and we’ll help you set up a plan or explore other options.

Remember: Do not let a bailiff in. Confirm identity through the door. If you feel threatened, call 999. For advice call 0161 527 7531.