Why do credit card and loan debts not result in bailiff visits?

london1973

sourcrates said:

Yes, apologies, as Grumple explains above, there is a court process to go through in order to engage a bailiff, or indeed to enforce any legal agreement, only if you fail to pay a court judgement, which must be obtained first, can further action commence.

The only exception to this is when bailiffs act on behalf of councils to collect unpaid council tax, they do so using what`s known as a liability order, under powers granted to them by Government, without the need to first obtain a CCJ, this is exclusively for the collection of Council Tax.

thank you oh great sage

HMRC are also an exception, in that they also kncok on your door, but i think these are ‘field agents’ rather than bailiffs?. Also i suspect they aren’t direct employees either?

Themoneyshot

london1973 said:

[Deleted User] said:

london1973 said:

typo *’there’ legal fees…. 

You were right the first time! 😊

hahahaha! but actually i am not- although when i re-read it again i thought oops (i was right 1st time), however re-read it carefully and i wasn’t 

getting very confusing!

Their is correct. The legal fees belong to them. 

london1973

Themoneyshot said:

london1973 said:

[Deleted User] said:

london1973 said:

typo *’there’ legal fees…. 

You were right the first time! 😊

hahahaha! but actually i am not- although when i re-read it again i thought oops (i was right 1st time), however re-read it carefully and i wasn’t 

getting very confusing!

Their is correct. The legal fees belong to them. 

Wrong, read it again

why are their ‘legal fees’ to be paid upfront,

in fact it works both ways

Themoneyshot

london1973 said:

Themoneyshot said:

london1973 said:

[Deleted User] said:

london1973 said:

typo *’there’ legal fees…. 

You were right the first time! 😊

hahahaha! but actually i am not- although when i re-read it again i thought oops (i was right 1st time), however re-read it carefully and i wasn’t 

getting very confusing!

Their is correct. The legal fees belong to them. 

Wrong, read it again

why are their ‘legal fees’ to be paid upfront,

in fact it works both ways

Can't be wrong if it works both ways. Everyone's a winner!

Rob5342

Don't confuse baillfs with doorstep collectors or whatever they call them. Bailiffs have legal powers and can only be sent by a court after you fail to pay a ccj. Doorstep collectors are any old Tom !!!!!! or Harry or have the same power as you going to your mate Dave's house to.ask for your £20 back. A lot of people don't realise this and debt collectors take advantage of this by mentioning home visits to try and scare people into paying.