Will a bailiff visit my home?
Debt collection agencies aren’t bailiffs (enforcement agents) and don’t have any special legal powers. They have the same rights as the original creditor, and they usually specialise in collecting debts where the original creditor can’t get arrears repaid.
Collection agencies may tell you that someone could visit you at home. This person will be a ‘doorstep debt collector’ or ‘field agent’ not a bailiff. In practice, this doesn’t happen often and collection agencies will usually stick to contacting you by phone, letter or email.
If a debt collection agent does call at your house, remember:
- They are not bailiffs (enforcement agents) or a sheriff officers, and pretending to be one of these is a criminal offence
- You don’t have to open the door or let them in
- They must show proof of ID
- They must leave if you ask them to
- They can’t take anything from your house
If you’re worried about debt collectors visiting you at home, we’d recommend getting in touch with us so we can give you all the advice you need.