Wednesday, 27 January 2021

Bailiff/Debt Collectors: Know Your Rights

HERE are your rights, according to Citizens Advice:

All bailiffs should send you a letter before they visit to check if you're vulnerable because of Covid-19.
They should give you at least 30 days' notice if they are collecting debts owed to your council, court fines or child maintenance.
They're not allowed to enter your home to take goods - they should only talk to you, collect money or give you documents.
They must make sure they are social distancing.
If you're vulnerable or in financial hardship caused by the pandemic they must refer you to debt advisers.

If you think debt collectors have broken the rules, or acted aggressively by issuing threats, intimidation, offensive language, or repeatedly visiting, texting or calling you then you should complain to the organisation you owe money to.

Lorraine Charlton, debt expert at Citizens Advice, said: "Complaining won’t cancel your original debt, but it can give you a chance to deal with it in a way that suits you."

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