Showing posts with label County Court Bailiff advice. Show all posts
Showing posts with label County Court Bailiff advice. Show all posts

Thursday, 22 October 2009

BAILIFF FACTS / BAILIFF LAW

Types of Bailiff


Private Bailiffs (certified bailiff)

A County Court judge supplies a certified bailiff with a certificate lasting just two years. In order to obtain the certificate the applicant must demonstrate that he is a “fit and proper person” to hold the certificate, prove that they are not in the business of buying debts and that they have adequate knowledge of the law of distress. They must undertake a criminal records check, a County Court Judgment (CCJ) check, provide two references and also a security bond of £10,000 (usually being an insurance bond). Once the applicant has received the certificate it authorises them to levy distress anywhere in England and Wales.

A certified bailiff is not employed by the court nor are they an officer of the court. However, they are viewed as representatives of the court because they act under the certificate issued by the court. Because of this the court sets out strict standards of competence and conduct for Certified Bailiffs.

Only certified bailiffs can carry out the distress for council tax, non-domestic rates and parking fines, rent and child support agency arrears etc.

County Court Bailiff

County Court bailiffs are civil servants employed by the County Courts. They enforce County Court Orders and Judgements. These bailiffs are managed by senior staff at the County Court but they are responsible to the District Judge for their actions (for further info see section 123 of the Courts act 1984).

High Court Enforcement Officers

In this country there are only approximately 70 High Court Enforcement Officers. These are private sector bailiffs appointed to enforce High Court orders and any County Court order that has been transferred to the High Court for enforcement.


Bailiff Rights

Bailiffs do not have the right to force their way into an individuals’ home to seize goods. They only have the right of peaceful entry, peaceful entry constitutes as entering through an unlocked door, an open window even if a fence/gate has to be climbed over to reach it. They cannot damage property i.e. break a window / door. The ONLY exception to this is if the bailiff is from the Collector of Taxes (HMRC), they can get a warrant to force entry but this is very, very rare.

There is NO law that states entry has to be given to the bailiff and he is not allowed to force his way past the debtor to gain entry. They will however use ingenious methods to try and gain entry, asking to use the toilet etc.

There is a code of conduct for levies:-

· Unlawful force should not be used to enter premises
· If the only person present is under 18, the bailiff must depart but they are allowed to ask when the debtor will return. If there is only children 12 or under present the bailiff must simply leave.
· If the police are present, it will simply be to deal with breach of the peace and not assist with the levy. This must clearly be explained.
· Bailiffs should not disclose the purpose of their visit to anyone other than the debtor. Relevant documents should be left for the debtor in a sealed envelope.
· Visits should ideally be made between 6am and 9pm. Visits should not take place on Sundays, Bank Holidays, Good Friday or Christmas Day unless a court permits. Respect for other religions and cultures should be upheld and visits avoided on appropriate festivals and holidays.
· Goods that are clearly those of a child should not be seized.
· Bailiffs should take all reasonable steps to satisfy themselves that the values of the goods seized is proportional to the debt and charges owing.
· A receipt must be given to the debtor when goods have been removed.
· The debtor must be notified of the fees on each visit and of the fees that will be accrued if further action takes place.

Exempt Goods

There are several goods that bailiffs are unable to seize (except bailiffs acting on behalf of the Magistrate’s Court). These constitute goods that are deemed necessary to meet the basic domestic needs of the debtors family such as cooker, clothing, bedding etc. They are also unable to levy on items that are required for use in employment, business or vocation such as tools, goods or vehicles.

It is unlawful to hide or remove goods prior to a bailiffs visit.


Goods that don’t belong to the debtor

If a bailiffs visit is imminent it is wise for the debtor to get proof that the goods do not belong to them. Photographic evidence is also useful at this point, along with a list. Goods that are on Hire Purchase (HP) do not legally belong to the debtor until the final payment has been made BUT there may be circumstances in which these can be seized.

If the bailiff seizes goods that do not belong to the debtor the owner of the goods can then apply for the goods to be returned.

This is a very grey area and advice needs to be sought urgently by the debtor.


Overview

There are lots of grey areas where bailiffs are concerned, it is imperative that the debtor seeks advice.

If the premises are solely commercial rights of entry change and entry can be forced.


Wednesday, 19 August 2009

JARGON BUSTING.......WARRANT OF EXECUTION

Once a Judgement has been issued against the debtor the creditor can apply for a Warrant of Execution at any point if the debt is between £50 and £5,000 (in Scotland between £600-£5,000). If the debt is over £5,000 then the High Court would enforce the debt in the same way but this is known as a Writ of FiFa.

The Warrant of Execution will be calculated by the amount of the judgment; plus the court fees and if granted, the creditor’s costs. Statutory interest cannot be sought of judgement debts of less than £5,000.

Once the Warrant of Execution has been issued the court will transfer the judgement to the debtor’s local County Court, in turn they will write to the debtor informing them of the Warrant of Execution. This letter gives the debtor 7 days to pay the amount of the Warrant in full without further action. If the debtor pays within this time frame then the Warrant of Execution is cancelled and the monies are paid to the creditor.

During the 7 day period the debtor may apply for the Warrant of Execution to be suspended. This application must state a valid reason (i.e. offer to pay the judgment by instalments). The court would then notify the creditor of the application to suspend the Warrant. If the creditor contests the application the court will list the application for a hearing. The court would then decide whether to uphold the application to suspend or whether the Warrant of Execution still stands. (The debtor has to pay a fee to the court to apply to suspend the Warrant of Execution).

If the debtor fails to pay or apply for the Warrant of Execution to be suspended, the bailiff will usually within 15 working days visit the debtor at their home address. They will attempt to identify items which can be sold to recover the debt. Certain items are unable to be taken and the County Court Bailiff has to follow strict guidelines as to how they can take the goods. They are not allowed to break into any property – entry must be via a “peaceable” method such as unlocked door, window. If the bailiff is let into the property by a bailiff he can take payment there and then or may take an inventory of goods. This is known as a “walking possession order”. This means that if payment is not made the bailiff may / will revisit and take the goods. At this point the bailiff is allowed to break into the property if he has entered the property “peacefully” before.


A Warrant of Execution lasts for a period of one year from the date of issue. If the creditor wishes to extend the Warrants life beyond one year they must supply the court with sufficient reasons for this to be granted and unless there are exceptional circumstances this should be done prior to the Warrant of Execution expiring. There is a fee to extend the Warrant of Execution.

If you have any queries about Warrants of Execution or would like an informal chat please do not hesitate to contact me:-

0800 4 96 95 94 or EMAIL

Thursday, 23 July 2009

ALL IN A DAYS WORK.............

I have now been speaking with a company for 6 months, the owner of the business (sole-trader) still to this day cannot believe that we are still calling him to help him with his problems.............and the fact he hasn't paid us a penny.

Like you will have read all along through this blog - we offer a unique service and we pride ourselves on that fact! How many other companies would supply information for free?

The problem he had related to a CCJ - the petitioning creditor would not accept his offer to pay by installments and he was being threatened by County Court Bailiffs. Understandably he was worred. I printed off the forms he needed to fill in, filled in the forms and posted them to him for him to sign and take to the County Court.

He has now had the offer accepted and is happy that the worry and stress has been taken from him.

Problems won't go away, don't bury your head in the sand! If you need impartial, friendly advice on any issue relating to debt then call me!
0800 4 96 95 94 or EMAIL