www.iva.co.uk

HI

AM I RIGHT IN THINKING THAT A CREDITOR/DEBT COLLECTION AGENCY CAN SEND A PRIVATE BALIFF AROUND TO YOUR HOUSE TOO COLLECT GOODS WITHOUT IT GOING THROUGH THE COURTS FOR UNSECURED DEBTS.

THANKS

No - only for Council Tax, rent or tax arrears. All other creditors must have obtained a judgement against you in the first instance before commencing enforcement proceedings.

HI MELANIE

THANKS FOR YOUR ADVICE I THOUGHT THIS WAS THE CASE BUT I WAS TOLD BY ANOTHER SOURCE THAT ANY CREDITOR CAN EMPLOY A PRIVATE/CERTIFIED BALIFF AND THEY CAN TAKE YOUR FURNITURE BED ETC. WHAT A RELIEF HAD VISIONS OF MEN IN WHITE VAN CHARGING INTO MY HOUSE TAKING ALL MY WORLDLY GOODS AND MY CAR.

MANY THANKS

Thinking of you hopeful ... hang on in there, it can be a rough time I know.

Debbie

hopefull1, if you check the below site, it will tell you exactly what bailiffs can and can't do.

http://www.insolvencyhelpline.co.uk/deb ... -guide.php