UK Debt Relief?
UK Debt Relief are here to help you stop bailiffs in their tracks.
Our debt advice team offers free support to people in the UK who are struggling with debt.
Whether you are being pursued for debt by a bailiff, your local council or a private company, we can give you immediate help and support.
DO NOT LET
Bailiffs have no right to enter your home unless they have a court order giving them express permission. However, if you let them in once they have the right to re-enter the property at a later date, so do not let them in!
DO NOT LET THEM
PUSH YOU AROUND
Bailiffs are known for using intimidation tactics. If you stay calm, stand your ground and donʼt give them any information, thereʼs not a lot they can do.
DO NOT NEGOTIATE
Bailiffs will use any information you give to them against you. Say nothing until you call us: we can advise you how you can best proceed.
In debt with your local council?
If you are debt with your council due to missed council tax payments - you are not alone.
Every year many people in the UK fall behind on their payments. We have helped them to get out of debt using affordable payment plans.
We can help you too.
Our debt solutions can even stop your wages and possessions from being arrested.
Getting out of debt with your council can be done, and we can help you to do it.
Request a callback below and our sympathetic team of debt advisors will get in touch and attempt to provide you with the best debt solution for your current situation - free of charge.
When it comes to getting out of debt there is no time to lose - we promise to call you back within 2 hours of your request.
What happens when you are in debt
with your local council:
There are many reasons you might fall behind your council tax payments.
Your financial situation may have dramatically changed, you could have suddenly fallen on hard times or sometimes you simply forgot to pay your bills.
When this happens, you are sent letters from your local council asking you to pay your debt. Eventually, they will threaten to use bailiffs to recover what you owe. It is advised that you try to settle your debts immediately, but if for any reason you cannot pay, the council will pass on your debts to a bailiff for recovery.
And once this happens, you will have to deal directly with the bailiffs, not your local council.
What is a bailiff?
When you are struggling to pay your debts, some creditors will send bailiffs or debt collectors to collect outstanding payments. Whilst bailiff is the more commonly used term, they are also called enforcement officers or debt enforcement officers. If you receive a letter from a bailiff they will often be referred to as enforcement officers.
A bailiff has the legal authority to collect certain forms of debt. They do this by:
- Attempting to persuade you to pay what you owe. This can involve bailiffs using intimidation tactics.
- Seizing your wages and possessions to cover your debts.
Bailiffs can work for the local county court or for private debt enforcement firms.
You should receive a warning from your creditors threatening bailiff action as an attempt to persuade you to pay, but this does not always happen. Sometimes you can hear from bailiffs without any warning, but they should give you 7 days notice before visiting your house.
You will be charged £235 upon the bailiff’s first visit to your property. An extra 7.5% for debts over £1,500 can also be included. They can also charge you an extra £110 once they begin to seize items from your home to be put up for sale.
If you have been threatened with bailiff action, or have been warned that the bailiffs are just around the corner, please request a callback for free bailiff advice as soon as possible so we can help you out of your situation.
What debts are bailiffs allowed to collect?
bailiffs can collect:
- Council Tax
- High court judgements
- County court judgements
- Parking penalties
- Child support
- Income tax
- National insurance
- Business rent
- Magistrates’ court fines
Bailiffs are also used in the eviction process.
"What should I do if I know bailiffs are on their way?”
As soon as you receive a letter threatening bailiff action you should explore all options available to you. Bailiff action can be distressing, as well as disruptive to your home and work life. It is best to come to an agreement as soon as possible that suits both you, your creditors and the bailiffs.
We do not recommend you negotiate with the bailiffs directly. Bailiffs are only concerned about recovering your debts, as that is how they make their money - they are not concerned about whether you can still meet your basic costs of living after paying.
There are several debt solutions designed to allow UK residents to take control of their financial situation. Here are some of the best available:
- Council Tax Repayment Plan
- Individual Voluntary Agreement (IVA)
- Debt Relief Order (DRO)
From the first day of the advisor coming out to meet us and discuss our options, I knew this was the right choice for my wife and I to make.
The service I have received has been very professional which made a worrying time easier to deal with.