If you’ve paid the debt the best thing you can do is call the creditor to tell them to stop the bailiff from coming to your home. Keep a copy of your letter and any reply you get in case you need it later. Send your letter and evidence by recorded delivery if you can. You can find the creditor’s name on the notice of enforcement - use this to search online for their address. Doing this could help you get your problem sorted more quickly, this is because the creditor is the person that has asked the bailiffs to collect the debt. You should also send a copy of your letter to the creditor. It’s best to send copies of your documents not the originals. your bank or building society statement from the last 3 months.your council tax bill from the last 3 months.a benefit letter from the last 3 months.Say you don’t owe the debt and include evidence that shows you’re not the person named on the notice of enforcement. Send a letter to the bailiffs, you can find their address on the notice of enforcement. If you’re worried about calling the bailiffs get help from your nearest Citizens Advice. You should still do this even if the debt belongs to someone you live with - for example your partner or a housemate.Īsk them to put your case on hold while you’re sending in your evidence and they look into your case - they must do this if you ask. Explain you’II send evidence to prove this. Tell them you’re not the person named on the notice of enforcement. It’s best to call them, as this is the quickest way to get in touch. If it’s someone else’s debtĬall the bailiffs - you can find their number on the notice of enforcement. You should act quickly to prove the debt isn’t yours - this can stop the bailiffs visiting. Even if you owe the debt it's worth finding out if you might be able to challenge it.įind out more about how you can avoid bailiffs even if you owe the debt. It's always best to get advice about any debt bailiffs are collecting. You might be able to challenge the debt if it's more than 6 years old. If bailiffs are trying to collect a debt that's more than 6 years old get advice before speaking to the creditor. If you can’t find a number or it’s difficult for you to call the creditor, get help from your nearest Citizens Advice. You can find the creditor’s name on the notice of enforcement - use this to search online for their telephone number. Ask them why they think you owe the debt. If you’re not sure whether you owe the debtĬall the person the bailiffs say you owe the debt to - this person is called the ‘creditor’. Check what you can do if you’re being harassed. If bailiffs try to put pressure on you to pay the debt, for example by repeatedly telephoning you, this could be harassment. It belongs to someone else - for example if your name is similar to the person who owes the debt Your notice of enforcement must say how much the debt is and who it’s owed to. If bailiffs are already at your door, check whether you can stop them getting in. If the notice of enforcement wasn’t sent correctly, you can also get more time. You might be able to get more time to deal with the notice of enforcement if you're in one of these situations. are in a stressful situation like recent bereavement or unemployment.Before you speak to bailiffs, check the extra rules they should follow if you:
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