There is no doubt that there is a need for debt help and free advice to deal with the UK’s debt epidemic. Even before the credit crisis the country was dangerously overstretched. Now that the panacea of cheap re-mortgages has been removed the true size of the problem is starting to reveal itself.
In addition to those that have overstretched themselves during the era of cheap credit there are also those that are now suffering redundancy or reduced business/bonuses/commissions. The situation does not look good (and that was even before Alistair Darling’s ill-chosen remarks about the economy being in the worst shape for 60 years – rationing anyone!)
Debt charities are stretched to breaking point by the numbers of people seeking help. This only increases the danger of desperate people falling prey to the many companies that would take advantage of them.
My advice is to hold on for free advice and help that you need to deal with your debt problems. If the local Citizen’s Advice Bureau has a 3 month waiting list to see a money adviser then get on the list.
Checkout one of the companies that don’t charge upfront fees for their debt advice.
Most importantly remember that being unable to pay your debts is not a crime in the eyes of the law. Don’t be too hard on yourself. Try and relax a bit (I know this is hard) and believe that there is a life after debt. I’m living proof of it!
Tags: Debt Advice, Debt Problems, Debt Solutions, free help
If you are experiencing serious debt problems then you are very likely worried about the prospect of someone (possibly a bailiff) calling at your home to take away all your goods and sell them. Most people with a debt problem in the UK (unless it is a debt arising from non payment of fines/taxes) will not be visited by a bailiff, as the creditor will have to go to court to get a County Court Judgement (CCJ) before a bailiff can be instructed. Even once this has happened you will have to fall behind with your agreed payments before a bailiff (possibly) comes to call.
On a normal unsecured debt you are more likely to see a debt collector, but they have no powers whatsoever. You are perfectly entitled to slam the door on them and demand they leave your property! Any persistent attempts to contact you (standing outside shouting, knocking on the door constantly) could be construed as harassment and would therefore be illegal.
If you are unlucky enough to be visited by a bailiff then you will want to know…
Bailiff Rights of Entry – What Are They?
The first thing you should do when confronted by someone saying they are a bailiff is to get them to prove who they are. They must be able to provide some evidence of their identity and their instruction to collect a debt that you owe. If they don’t have this then they are just a debt collector, and can be sent packing as described above.
If they are a bailiff then unless they are recovering a tax debt and have obtained a court order, they are not allowed to force there way into your home. They cannot push past you when you stand at an open door. They have to gain “peaceful entry” to your home which means entering through an unlocked door or open window (or being invited inside by you). If they visit the house when there are only children present (younger than 18) then they must leave. It is very important to realize that your relationship with the bailiff and their powers to enter your home are massively changed if you let them into your home (or they manage to get in through an open window or unlocked door. If you keep them out then they have no powers. Once they have gained peaceful entry then they can:
Make a list of possessions to be seized (a walking possession order).
Break into locked areas within your house.
Return at a later date and break into your home to gain access to the good listed on the walking possession order.
Letting a bailiff into your house is a disaster and should be avoided at all costs. Don’t fall for any trick regarding using your phone/toilet etc. as it could have terrible consequences.
How do You Resolve the Situation?
You need to get the debt out of the hands of the bailiffs and back with either the courts or the creditor. To do this requires urgent and skilled money advice from the Citizens Advice Bureau or similar debt charity. Remember that the rules regarding unsecured debt mean that you should only have to pay an amount that you can afford (after allowing for essentials) so negotiating to pay your debt by instalments should be a lot less traumatic than being visited by bailiffs.
Tags: bailiff, Debt Advice, debt assistance, Debt Problems, right of entry
