bailiffs

jachowden

Do i have to go to court before baliffs can come to my home, im not in this danger but i just read something about it and am suprised by it,

brightonman123

we need more info, to offer any help!

quick guide- DO NOT let bailiffs into your home. If you have a car on (overdue) finance, garage it, or park well away from the house, & covered up..

get in contact with creditors ASAP, if having probs keeping up payments.. you may be able to reduce / delay instalments for a bit..

some extra interest may be payable, but should work out cheaper than the charges that will be added, if it goes to court..

jcofsb

You don't necessarily need to have been to court but a judgement must have been made against you. If judgement is made against you and you still do not pay as ordered by the court the creditor can then enforce with bailiff action. As Brightonman says, don't let them in, they are not automatically allowed onto your property but will enter through open doors and windows, once they have been in they can then come in again in future.

There are rules as to what bailiffs can and can't do, depends on the type of debt, whether its consumer credit, council tax or court fines. Bailiffs can force entry to enforce unpaid court fines and I beleive council tax, they cannot force entry to collect for credit cards or loans etc.

fatbelly

jachowden wrote: »

Do i have to go to court before baliffs can come to my home, im not in this danger but i just read something about it and am suprised by it,

I believe HMRC can send bailiffs without a court order but for most debts, they would have to go through Magistrates or county court first. It's the Warrant that gives the bailiff the right to levy your goods. The court would issue this.

KingElvis

Why? you got visitors? :rotfl:20 stone ones?

jachowden

No im not in any debt i just seen someone else ask and i didnt realise it had to be approved by the courts first. This has helped me with another matter where a family member tried to get one over on me, cheers now i have the upper hand.

KingElvis

jachowden wrote: »

No im not in any debt i just seen someone else ask and i didnt realise it had to be approved by the courts first. This has helped me with another matter where a family member tried to get one over on me, cheers now i have the upper hand.

Hence the term "court apponited bailiffs"

Different bailiffs have different powers, if you want to know the real deal on these people, look at Never In Doubts old posts if they're still here.

geoffky

Remember,debt collectors try and pass themselves off as bailiffs.

jenniebxx

hi im having trouble with outstanding payday loans which they are now threatening to go to my parents house! i do not live there anymore and im really worried they will take goods from them! i have contacted several times with my new address an contact information and they said that this doesnt matter i have signed agreement of being at my parents address! they are hassling my parents house as it is, on telephone no matter what i say to them there still persistant to harress my parents im really worried and need advice

DCFC79

jenniebxx wrote: »

hi im having trouble with outstanding payday loans which they are now threatening to go to my parents house! i do not live there anymore and im really worried they will take goods from them! i have contacted several times with my new address an contact information and they said that this doesnt matter i have signed agreement of being at my parents address! they are hassling my parents house as it is, on telephone no matter what i say to them there still persistant to harress my parents im really worried and need advice

Should have started a new thread but oh well,

Well how about paying the loans, maybe tell your parents to not let them in.

How many PDL do you have ?

Tixy

jenniebxx wrote: »

hi im having trouble with outstanding payday loans which they are now threatening to go to my parents house! i do not live there anymore and im really worried they will take goods from them! i have contacted several times with my new address an contact information and they said that this doesnt matter i have signed agreement of being at my parents address! they are hassling my parents house as it is, on telephone no matter what i say to them there still persistant to harress my parents im really worried and need advice

Presumably none of the payday lenders have taken you to court? If they haven' then this is not an issue relating to bailiffs or about goods being seized.

If they are threatening to send debt collectors to your parents house you could send this letter to stop them http://forums.moneysavingexpert.com/showpost.php?p=23635529&postcount=60, but even if they turn up they have no rights whatsoever and parents can either tell them to leave or say you don't live there (and they cannot disclose any details of your debts to your parents as that is a breach of the data protection act).

Even if they do have a CCJ bailiffs still cannot seize your parents goods for your debts.

What are you doing in relation to paying these debts? have you set up repayment plans with them? perhaps it would be useful for you to contact one of the debt charities for some help and guidance on tackling these creditors and repaying your debts?