There's a bailiff at the door

What to do now

1. Do not open the door. Keep it locked, and lock any side or back doors — an unlocked door is lawful entry.
2. Ask them to post their identification and authorisation through the letterbox. They must be able to prove who they are and what they are collecting.
3. They must have given you at least seven clear days' notice of enforcement before visiting. If you never received a Notice of Enforcement, say so and get advice.
4. They cannot visit between 9pm and 6am.
5. They cannot enter if only children under 16 or vulnerable people are present.
6. They cannot take goods that are essential — basic domestic items, tools of your trade up to £1,350 in value, or goods belonging to someone else.
7. If a vehicle on the drive is on finance or belongs to someone else, say so immediately and gather proof.
8. Offer to pay what you can afford directly to the creditor, and confirm any arrangement in writing.

What else you need to know

Fees are added at each stage, so acting early saves money: £75 at compliance stage, £235 at enforcement stage, and £110 if goods are removed for sale. There is also a percentage uplift on amounts over £1,500.

If you are vulnerable — through disability, serious illness, mental health, age, recent bereavement or having young children — tell them in writing. Enforcement agents have obligations towards vulnerable people, including withdrawing and referring the case back to the creditor.

Where to get help today, free

If you are in crisis and struggling to cope, Samaritans can be reached free on 116 123, at any hour, from any phone.

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