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Do I Have to Let the Bailiffs into My Home ?

If you find yourself in debt and have been told that bailiffs will be sent around then it is important that you know your rights.

Letting the Bailiffs in
Should you be in a situation where you have not yet let the bailiffs into your home then they are not allowed to enter your property to collect the debt that you owe. It is worth remembering that they are not allowed to break into your home and you are well within your rights to refuse them entry. You will also not have to sign any documents that they ask you to even though they may say differently.

As soon as they have been inside your property they will have the right to do so again, so it is important that you do not give them the room to do so when you open your front door. Similarly, make sure that there are no other doors or windows left open for them to gain access as they may choose to do so. The best thing you can do is to offer the amount that you are able to pay, if any, and then ask them to leave. If they accept your offer of some form of payment then make sure that you pay them outside of the house so they cannot gain entry and obtain a receipt as proof of payment.

It is important to remember that the bailiffs are there to collect the debt and may do this anyway that they legally can. Therefore be aware of them asking to have a talk with you indoors or even asking to come in for just a minute to give you more details. As soon as they have entered the property they are allowed to do so again. Keep any valuables you have inside the house and away from view, but be aware that if you have a car parked outside then they may be able to take this.

What to do if the Bailiffs have been let in
Unfortunately if you have let the bailiffs into your home and they carried out a valid levy, then they are allowed to re-enter the property and if you do not let them then they can break-in instead.

If you have let them in then it is important that you contact the bailiffs and offer to pay the debt in instalments that you can manage to pay. It may be worthwhile showing them the budget that you are working to so that they are aware that this is all you can afford. It is important to understand that this debt is now a priority since failing to keep up the repayments could mean they remove goods from your home. Always make sure that you obtain a receipt for any payment you make, no matter how small.