Having bailiffs on your doorstep is most people’s worst nightmare. Luckily, there are some cases where they are forbidden to remove certain assets
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Internet searches to deal with bailiffs have increased by a whopping 569% over the past year as the cost of living crisis continues.
Many people know that bailiffs have the power to come and seize items between 6am and 9pm any day of the week in order to collect debts.
However, what some people don’t realize is that bailiffs have certain restrictions, which means they can’t take everything you own.
Items considered essential to a decent standard of living must be left behind.
This includes needed furniture such as beds and chairs.
Vehicles, which are a popular target for bailiffs, can also be protected against theft DebtBuffer has created a helpful one guide to explain more.
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- Bailiffs may not remove a vehicle if it bears a disability card or if it is clearly being used by a disabled person. If you are eligible for a Blue Disability Badge, ensure this is displayed in your vehicle.
- You also cannot bring a vehicle that is part of a mobility program.
- Bailiffs may not claim a vehicle that serves as a primary residence. This can be a caravan, a houseboat or similar.
- If your vehicle is essential to your work and is valued at less than £1,350, you can be sure it will never be taken away from you. This can be good news for people like taxi drivers.
- DebtBuffer also states that a vehicle cannot be taken if it is subject to a log loan where the final payment to the finance agreement has not been made. A logbook loan is a loan specifically secured on the vehicle itself.
DebtBuffer’s guide also offers advice on legal steps you can take to prevent bailiffs from gaining access to your car before it’s listed as part of your debt.
You can park your car in a locked garage or bring it into a friend’s driveway (with their permission).
However, just parking on a nearby street is not enough. Bailiffs can drive around your neighborhood to try to discover your car and if it’s on a public road they can seize or impound it.
If you are moving your car, make sure it is on private property.
DebtBuffer has also warned people to make sure car keys aren’t visible when a bailiff comes to examine the property.
Also, buying a cheap personalized registration can reduce the chance that your vehicle will be recognized by Automatic Number Plate Recognition.
Bailiffs can use these cameras to detect vehicles parked near the debtor’s home.
https://www.mirror.co.uk/news/uk-news/bailiff-explains-five-times-your-26956912 The bailiff states five times that your car CANNOT be towed as the search for help spikes