How bailiffs should treat you if you're vulnerable

Summary

You can be vulnerable in lots of different situations, for example if: * you have children or are pregnant - especially if you’re a single parent * your age makes it hard for you to deal with bailiffs - usually if you’re under 18 or over 65 You can also be classed as vulnerable if you’ve been through recent stressful or emotional circumstances. For example becoming unemployed, being a victim of crime, or having someone close to you die. Tell the bailiffs if you’re a carer, relative or friend acting for someone vulnerable who has a debt. Explain the person’s vulnerability and the bailiffs should be willing to talk to you instead. Mention if you have any legal right to act for the vulnerable person, such as powers of attorney. Contact your nearest Citizens Advice if you need help dealing with bailiffs or your debt. Contact the bailiffs as soon as you can - or ask a carer, relative or friend to contact them for you. If you’ve had a letter from bailiffs, look for a phone number. It’s best to call them, as this is the quickest way to get in touch. It’s important to contact them quickly so you can stop them visiting and adding fees. If bailiffs visit your home, talk to them through a.

Key information

• you have mental health problems
• you have children or are pregnant - especially if you’re a single parent
• your age makes it hard for you to deal with bailiffs - usually if you’re under 18 or over 65
• you don’t speak or read English well
• explain why dealing with bailiffs is harder for you than someone in another situation
• ask the bailiffs to cancel any future visits because of the extra distress it will cause you
• make sure they know how a letter or visit could make your situation worse - for example if you have a heart condition or a mental health problem.
• never come into your home if you’re the only person there
• give you extra time to make a payment offer to stop them visiting - ask them to put your case on hold
• never take or threaten to take anything that helps with your health
• make sure you can communicate with them - for example by sending letters in braille or bringing a translator when they visit
• they’ve taken your belongings into control

Practical guidance

• Source: How bailiffs should treat you if you're vulnerable

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