What can bailiffs take from your home?
A bailiff will look for goods you own that can be sold if you don’t pay the debt.
They can only take goods that they have access to and can remove. As a general rule they can only take goods into control if they can physically touch them. They can’t take goods into control just by seeing them through your window or letterbox.
Their main target will be motor vehicles, electrical goods, jewellery and furniture, but they’ll be interested in any goods which can be sold easily for a good price at auction.
Bailiffs can’t take everything and they must leave you with basic household items, including:
- A cooker or microwave, a fridge and a washing machine
- A landline or mobile phone
- Beds and bedding for everyone in the house
- A dining table and enough chairs to seat everyone in the house
- Appliances to heat and light your house
- Medical or care equipment
Some goods are protected and can’t be taken by a bailiff:
- Goods which are owned by someone else – but they can take goods which you own jointly with someone else
- Pets and assistance dogs
- Tools, books or other equipment that are essential for your job or study, up to a maximum total value of £1,350
- Goods you’ve bought on a hire purchase agreement, where the final payment hasn’t been made
- Fixtures in your property such as kitchen units or fitted wardrobes
- Goods which you’re currently using, such as machinery or a motor vehicle – although they can come back for these at a later date