16% Rise in Problem Bailiffs
Citizens Advice has recently reported a sharp rise in the number of people who are seeking help with “bailiff-related issues”.
The numbers reported to Citizens Advice are shocking, with more 103,000 reported problems for 12 months up to March 31 this year. Not even mentioning that this is a 16% rise on the year before, the worrying aspect is that this is what is reported to Citizens Advice, meaning the number is MUCH higher.
“These figures are disappointing and reveal the harsh reality for people in debt,” said Gillian Guy, chief executive of Citizens Advice.
At Debt Assist we can see that this increase is part of a wider-ranging problem with household debts. As we reported earlier in the year, one-in-three people in the UK are struggling to repay their household bills, and this often leads to bailiff action. Unfortunately not all bailiffs follow the rules; One-in-six reported incidents involved bailiffs “threatening to break in, or unlawfully doing so.”; Other worrying issues included bailiffs charging excessive fees and refusing to set up affordable repayment plans.
A Ministry of Justice spokesperson said: “There is absolutely no excuse for aggressive bailiff tactics, which is why we’re examining the case for an independent regulator as part of our call for evidence.”
Around 30% of people who have debt on their household bills have dealings with debt collectors and enforcement agents (bailiffs). Fortunately there may be something you can do about it.
IVAs Supercede Bailiff Action
An individual voluntary arrangement (better known as an IVA), is a legally-binding financial solution, whereby your creditors agree to an affordable repayment schedule. As it’s legally binding, bailiffs cannot intervene in order to recover the debts.
This means that if you are currently on an IVA, if bailiffs should come to your property, you can simply tell them you’re on an IVA (they’ll usually want to talk to us) and there is nothing more they can do.
For more information on IVAs, or any other debt solution, contact our award-winning advisers today. There is no fee for our help, and no obligation to use any of the debt solutions we may suggest to you (but we think you will). Simply complete the short form below and we’ll get back to you!
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