Key facts
- Bailiffs must follow specific rules, especially for vulnerable individuals.
- Complaining to the creditor and bailiffs can help recover money and stop visits.
- Bailiffs cannot threaten to take items they shouldn't or lie about their powers.
- If you don't owe the debt, contact bailiffs immediately with proof.
- Bailiffs must put your case on hold if you claim the debt is not yours.
If you believe a bailiff has coerced you into paying a debt that is not yours, you have recourse through formal complaints processes. Bailiffs, also known as enforcement agents, are required to adhere to a strict set of rules. These rules are particularly stringent if the individual is considered vulnerable, which includes those who are disabled, seriously ill, have mental health issues, are pregnant, under 18 or over 65, have difficulty with English, or are experiencing significant stress due to bereavement or unemployment.
Bailiffs are prohibited from engaging in aggressive tactics such as threats, intimidation, violence, using offensive language, or repeatedly contacting you. They cannot disclose your debt to neighbours or demand information from them. Furthermore, they are not permitted to threaten to take items they are not entitled to, lie about their powers to gain entry, or pressure you into paying more than you can afford. If bailiffs continue to contact you after a debt has been paid, or if they discriminate against you based on race, religion, sex, sexuality, age, or disability, these actions are grounds for complaint.