From watching those famous High Court Enforcers on Channel 5, I’ve learnt:
1. If you think you’re likely to get in debt, it’s better have your car on finance rather than buying it outright – they can’t seize it then!
2. Better not answer door if enforcers come – if they get their foot in the door (literally) then they can force their way in (known as “peaceful entry”) and have the right to stay in the property. Similarly, best lock the back door otherwise said bailiffs will enter and stay!
3. The debt collectors are generally quite gung ho and self-righteous, fully confident that what they’re doing is (morally) right, simply because “the money is owed”. It is noticeable however that the brute force and domination their presence threatens is shattered when they’re in a genuinely dangerous situation, as in the debtors have weapons etc. At that point the machismo vanishes and it’s a matter of “We’re doing the admin and the police can do the argy-bargy!”
4. Sign of the Times… an increasing number of debtors owe large amounts of nursery bills!
5. A debtor might receive a county court judgement with an instruction to pay by a certain date, but this might give you a false sense of security that you have maybe a month to pay… when actually the claimant can actually escalate the matter to the High Court, and at that point, bailiffs can turn up at your door with no warning. And if their instructions are to evict, you could be out on the street within an hour!
6. As soon as enforcement agents decide they have no choice but to remove/ seize assets, the debt rises by a considerable fee – for example, if you owe two or three thousand pounds, it could add another grand on the total as soon as they make the call to their boss that they’re removing assets.