What is a Bailiff?

A Bailiff is an individual hired by a lending agency to retrieve the money they are owed.

In a way, a bailiff is like a hired ‘heavy', contracted by lending agencies to go to your home and find items you own that can help pay back the debt. There is no limit to what a bailiff can take, and only necessities are off limits. No matter how special a piece of jewelry is or how valuable a sports memorabilia item, they are allowed to take the item regardless of your protests if they believe they can sell the item for a little bit of money they can use to pay back the debt.


A bailiff can be anyone with a warrant to retrieve missing debts. In the case of county court judgments, this warrant is called a "warrant of execution." Regardless, the bailiff must present some type of identification. But because anyone can be a bailiff provided they have the right documents, a bailiff can be anyone of any gender and any age.

The Bailiff's Job

It is the bailiff's job to get into your house, and it is your job to try to keep them out. They are not allowed to break into your home, but they are allowed to say whatever they can to convince you to let them in. Once they are in your home once because you let them in, they are allowed permanent access even when you are not home. They are even allowed to break into your home when you are not there or if you are refusing to open the door for them. They only need permission the first time. After the first time, your home is fair game.

You are legally allowed to keep them out. By keeping your doors and windows locked, your refusal to let the bailiff in makes it illegal for them to repossess any of your things. Once the bailiff has been refused, they will do everything in their power to convince you to let them in. They will call your house multiple times and knock constantly. It may be stressful, but you should continue to keep them out regardless of their protests.

Sending the Bailiff Away
Should a Bailiff be at your door, contact the courts immediately about reprocessing your claim or CCJ. Whenever a case is being looked at by the court, the bailiff is not allowed to collect any of your items. Since the purpose of the bailiff is to collect debts that you are unable to pay, if a court is reevaluating your loan , the bailiff no longer has authority. Convince the court to suspend the warrant and do whatever you can to try to pay back your loans and avoid seeing the Bailiff again.

 Monthly Repayment   £
  • Please include your total income
  • Income
    Amount ( £) Frequency
    Home Secured Loans Debt Consolidation Bad Credit Home Loans Personal Loans Articles Resources Contact Us