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.