One of the biggest worries about a bailiff visit is what they might actually take. In reality, the rules are much more protective than most people expect. Enforcement agents can only take certain things, plenty is legally off-limits, and goods that don't belong to you shouldn't be touched at all.
The essentials
- Essential household items — a cooker, fridge, beds, basic furniture — are protected.
- Tools of the trade up to a set value, needed for your work, are protected.
- Goods that belong to someone else (or are on finance) shouldn't be taken — but you may need to prove it.
- Bailiffs usually target non-essential, resaleable items — and often a vehicle on the driveway.
What's protected
The law shields the things you need to live and work. That includes basic domestic items — a cooker or microwave, a fridge, beds and bedding, essential furniture — and reasonable tools, books or equipment you need for your job, up to a total value set in the regulations. Items being used by a child, and anything essential to a vulnerable person, also get protection.
What they can take
Enforcement agents look for non-essential goods with a resale value — things like a games console, a second TV, or jewellery that isn't in everyday use. The single most common target is a car or van parked outside, which is why keeping a vehicle away from the property is often the practical concern. Remember, though, that for most debts they can only take goods they can reach without forcing entry.
Goods that aren't yours
Bailiffs shouldn't take items that belong to someone else — a partner, a housemate, a child — or goods still owned by a finance company. The catch is that you may have to prove ownership with receipts or agreements, so it's worth gathering evidence early if there's any doubt.
To deal with the debt behind the visit, an IVA or DRO can help, and Money Helper offers free advice.