Information provided applies to England & Wales
What to do if your creditor takes action against you. Includes debt collection agencies, court action and bailiffs.
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Dealing with bailiffs
If you have a bailiff coming, despite what they might tell you, you do have rights. We show you what they are, what you should do at each stage (from the first letter to the last visit), and how to ensure you don't get ripped off.
About bailiffs
www.adviceguide.org.uk/index/your_money/money_manage...
These pages tell you more about what to do if you get a visit from bailiffs, including when you'll have to let them into your home, what bailiffs can and can't do, your rights if a bailiff calls at your home and what happens if a bailiff takes your things.
Adviceguide from Citizens Advice www.adviceguide.org.uk/
Debt management plan
www.nationaldebtline.co.uk/england_wales/factsheet.p...
A Debt Management Plan (DMP) is an affordable repayment programme set up, for free, by National Debtline and managed by an independent company. Explains who can use the service and how it works.
National Debtline www.nationaldebtline.co.uk/england_wa...
How to sort out your debts
www.adviceguide.org.uk/index/your_money/money_manage...
Explains how to seek help with debt problems, including information on organisations which may be able to provide help.
Adviceguide from Citizens Advice www.adviceguide.org.uk/
What happens if you are taken to court for money you owe (PDF)
www.adviceguide.org.uk/http%3A//www.adviceguide.org....
Information on what happens if you are taken to court because you owe money; it explains the court procedures and how to challenge the claim.
Adviceguide from Citizens Advice www.adviceguide.org.uk/
Frequently asked questions about debt
www.adviceguide.org.uk/index/life/debt/faq_index_deb...
Answers questions such as 'my debts are getting out of control, what can I do?'.
Adviceguide from Citizens Advice www.adviceguide.org.uk/
Bailiffs (PDF)
www.adviceguide.org.uk/d_bailiffs.pdf
Information on when bailiffs can be used, on their powers to enter your house and take away goods, and on how to complain.
Adviceguide from Citizens Advice www.adviceguide.org.uk/
Bailiffs and council tax
www.nationaldebtline.co.uk/england_wales/factsheet.p...
Explains your rights if bailiffs come to your home to try and collect council tax arrears. It explains what you should do, what the bailiffs are allowed to do, and how to complain if a bailiff acts illegally.
National Debtline www.nationaldebtline.co.uk/england_wa...
About Bailiffs and Enforcement Officers (PDF)
hmctsformfinder.justice.gov.uk/courtfinder/forms/ex3...
Explains: • who bailiffs and enforcement officers are and what they do, • how to find out what the enforcement action should cost, • what to do if you have a complaint and • where to find free and independent advice.
Her Majesty's Courts and Tribunals Service www.justice.gov.uk/about/hmcts/
Complaint against certificated bailiffs form
hmctsformfinder.justice.gov.uk/HMCTS/GetForm.do?cour...
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Her Majesty's Courts and Tribunals Service www.justice.gov.uk/about/hmcts/
Full and final settlement offers
www.nationaldebtline.co.uk/england_wales/factsheet.p...
Explains what full and final settlement offers are and when they may be a useful way out of debt. Also contains a sample letter to help you write to your creditors.
National Debtline www.nationaldebtline.co.uk/england_wa...
Hire Purchase debt
www.nationaldebtline.co.uk/england_wales/factsheet.p...
Explains what Hire Purchase is, and what to do if you fall behind with payments on a Hire Purchase agreement. Explains your rights and the rights of your creditors.
National Debtline www.nationaldebtline.co.uk/england_wa...
What if a creditor refuses my offer of payment?
www.nationaldebtline.co.uk/england_wales/factsheet.p...
Information on tactics. Includes sample letters that you can use to write to creditors who have refused your offer of payment, or who have refused to freeze the interest on your account.
National Debtline www.nationaldebtline.co.uk/england_wa...
Administration orders
www.nationaldebtline.co.uk/england_wales/factsheet.p...
Explains what an administration order is and its advantages. Covers how you apply, the process and what happens after you've made an application.
National Debtline www.nationaldebtline.co.uk/england_wa...
Harassment
www.nationaldebtline.co.uk/england_wales/factsheet.p...
It is against the law for creditors to harass the people who owe them money. Explains the law, and how to deal with harassment by your creditors.
National Debtline www.nationaldebtline.co.uk/england_wa...
County court judgments for debt
https://www.gov.uk/county-court-judgments-ccj-for-de...
Information on what to do if you get a county court judgment saying you owe someone money made against you. Includes information on paying your judgment, what to do if you do not owe the money, and how it may affect your credit status.
GOV.UK https://www.gov.uk/
How to deal with business debt
www.nationaldebtline.co.uk/england_wales/factsheet.p...
Outlines the types of debt you may have if you had a small business and have stopped trading or have been self-employed. Gives contacts for further advice.
National Debtline www.nationaldebtline.co.uk/england_wa...
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