I have had lots of positive feedback about my blog on how to crush debt at but a lot of people have messaged me with worries about Bailiffs so here is a guide on how to destroy a bailiff. This is perfectly legal (unlike the way Bailiffs act).
I did shy away from doing this as the Bailiffs issue is a complex one that involves various different factors and levels, but people are asking for help so I’ll have a crack at it.
Some of you may have been watching the channel 5 fly on the wall documentary called “can’t pay we’ll take it away” which is all about Bailiffs. Ignore everything regarding the law that you hear on that programme, it is little more than corporate propaganda that gives you a highly selective series of instances designed to make the Bailiffs look like cuddly lovely people….they aren’t and if the cameras weren’t there you would see the real side of them. When I first saw that I was astounded that channel 5 are allowed to get away with blatantly giving a false impression of the law…but it does make for good entertainment I’ll give them that…just remember that’s all it is, entertainment.
PLEASE NOTE THIS IS NOT TO PREVENT A HOME REPOSSESION, THAT IS A TOTALLY DIFFERENT BALL GAME THAT REQUIRES A WHOLE SEPERATE BLOG TO TACKLE AND FRANKLY ALL I CAN GIVE YOU IS A DELAYING TACTIC.
THIS GUIDE IS FOR COMMERCIAL DEBT AND NOT UNPAID COURT FINES ETC AS THAT AGAIN IS A DIFFERENT BALL GAME
THE BAILIFFS OPERATE DIFFERENTLY DEPENDING ON THE AMOUNT OF MONEY OWED, THIS GUIDE IS AIMED AT DEBTS OF £1,000 AND BELOW, I WILL TYPE A SEPERATE BLOG TO DEAL WITH LARGER AMOUNTS AS BAILIFFS OFTEN BRING THE POLICE WITH THEM IN THOSE CASES (ALTHOUGH THIS IS NOTHING TO BE SCARED OF)
First I should point out that if things have gotten to this stage you have already made quite a big mistake, there are plenty of chances to nip this in the bud before it gets to this stage and I explain them in my previous blog, but let’s assume you hadn’t read it and only now need the help.
I personally have never had a Bailiff at my door because I crush the debt before it gets to that stage
So if you have had a letter telling you the Bailiffs are coming, which you should because bailiffs are usually meant to give you 7 days notice.
First ask yourself…are they really Bailiffs? Debt companies often impersonate Bailiffs just to scare you into submission by sending fake Bailiffs letters, I almost fell for this trick once myself.
Google the company, that should tell you all you need to know about them and weather they are licensed to act as Bailiffs
Here are the two easiest courses of action to take.
Bailiffs charge an extortionate fee that is lumped on top of the debt, contact the company you originally owed the debt to and make an offer of payment , this will cut the bailiffs off at the kneecaps and also means they won’t get their fee, they won’t like it but who cares? If you’re lucky you may have to deal with a debt company, offer a payment plan, they will call off the bailiffs and when the debt company sends you the payment schedule follow the steps in my crushing debt blog to destroy the debt.
This is my personal favourite because…well frankly I love a good verbal battle. There are several ways to do this, some of the people in my community of debt resistors favour the full blown resistance tactic. Meeting them with crowds of people, chanting “scum” and “shame on you”.
Here is a much easier tactic to get rid of them
Firstly if at all possible film them, it will keep the bailiffs on their best behaviour and make sure they don’t overstep the law as a lot of bailiffs do break the law simply because you have no evidence to prove they didn’t or you don’t know enough about to the law to know they are breaking it.
Here are the points to memorise before the Bailiffs arrive, take them to heart.
THEY ARE NOT POLICE OFFICERS EVEN IF THEY TRY TO DRESS LIKE THEM
THEY CAN’T TOUCH OR ASSAULT YOU
THEY CAN’T USE VIOLENCE
THEY CAN’T FORCE ENTRY, OR BRUSH PAST YOU (this is why it’s important to film them as many do try this)
YOU DO NOT HAVE TO EXPLAIN YOURSELF TO THEM
YOU DO NOT HAVE TO ANSWER ANY QUESTIONS
THEY HAVE NO POWER EXCEPT THE POWER YOU VOLUNTARILY GIVE THEM
THEY ARE ON THE SAME LEGAL FOOTING AS ANY COLD CALLER.
Once you take these facts on board you are appropriately armed, in our community we call this “losing the fear”
Keep your door locked or they may just walk straight in without knocking
If you have a car don’t worry, it’s usually safer to park it away from your house just in case they try something illegal and sneaky
When the Bailiff knocks firstly ask to see I.D, this will confirm that they are Bailiffs and not some other person calling for an innocent reason, they will ask for the person who is the debtor.
Deny you are that person, tell them that person moved out a few weeks ago….they will ask you who you are, refuse to give your name or give them a fake name, that’s your choice.
Refuse to answer any questions and ask them to leave or you will call the police….if you don’t feel confident doing that then just make an excuse like your baby needs you or you have to go out somewhere.
There is a very good video here that shows you the perfect way to get shut of a Bailiff, if you’re in doubt then have a nosy at it
Ok so you’re lying but it’s not illegal to lie to a Bailiff and frankly these people are the worst kind of liars…personally I think lying to a liar isn’t a sin.
Now the warrant they have is useless unless they can prove the goods they are here to remove belong to the debtor and they can’t make you volunteer that information…if they remove goods that belong to somebody other than the debtor then its theft and they know it.
In 90% of instances this will kick the debt back to the debt collection agency and then just follow the steps in my blog about crushing debt to get rid of it once and for all.
In the other 10% the bailiff will be back and it will probably be a different person, in which case repeat the same step…ask for I.D (frankly you should always ask unknown callers for I.D anyway). The debt will get kicked back to the debt collector’s agency after 1-3 visits.
If in the unlikely event this goes to a 3rd visit you can now invoke the protection from harassment act…throw it in their faces …you will be surprised by the reaction. Then it should be kicked back to the original debt collection agency so just follow the steps in my previous blog to crush the debt.
So this guide should give you enough ammunition to squash the Bailiffs in most scenarios
Don’t let it get to that stage in future ;-)