You as a citizen of your country are entitled to absolute legal support, even if you have committed a crime. Being unable to pay off your outstanding credit dues, in the wake of the current global financial crisis is inevitable. Credit lending institutions shall not benefit anything by prosecuting a defaulter, just for the heck of it. They, as monetary institutions would rather be interested in getting back their money than sending you behind the bars.
Creditors appoint people to collect debts on their behalf, called a bailiff. A bailiff gets his orders from the credit company to collect money from you, so if you want to avoid the bailiff, then take the measures described here.
The first legal right in this regard, is that you do not have to let the bailiff in your premises. You are, under no law, or obligation to open the door to him, or to co-operate with him.
On the other hand, a bailiff has the legal right to enter your house without even your permission by door, window, or any other outlet, but he/she is not entitled to break in your house. Thus, the first thing that should be done is to secure, and keep your windows, doors, and other inlets properly shut.
Secondly, you have the legal right to contact the creditors on whose behalf the bailiffs came to your house. Try to negotiate with the authorities, and convince them for resettling the due dates of payments. If you explain to them your financial situation, through valid, and authentic documentation, and if you had maintained a fair history of on-schedule payments, then there are chances that the creditors draft a new schedule of payments for you. They might also ask the bailiffs not to bother you again.
If your problem is not resolved yet, there is third way of getting out the bailiff out of your way, i.e. to hire a lawyer for your help, and guidance in legal matters. You can approach a magistrate by a written request to the magistrate who has authority over your area, and tell him the reason, and the supportive financial evidence of why you have been under the debt, and not able to pay it off.
You can also request him to cancel the warrants of the bailiffs, because you are willing to clear dues soon. If you make your intentions clear to the magistrate, then he/she might consider your request. In case, you do not have the means, resources, or any valuables to sell out, and pay the outstanding debt, even then, you can contact the magistrate, and mutually sort out a solution.
Last but not the least, if you come across your bailiff you can even settle the issue by discussion, but whatever is the case, never allow him to confiscate your possessions. If he/she misbehaves with you, you have the right to complain about his misbehaviour with sufficient evidence, or witnesses to the local magistrate. - 29866
Creditors appoint people to collect debts on their behalf, called a bailiff. A bailiff gets his orders from the credit company to collect money from you, so if you want to avoid the bailiff, then take the measures described here.
The first legal right in this regard, is that you do not have to let the bailiff in your premises. You are, under no law, or obligation to open the door to him, or to co-operate with him.
On the other hand, a bailiff has the legal right to enter your house without even your permission by door, window, or any other outlet, but he/she is not entitled to break in your house. Thus, the first thing that should be done is to secure, and keep your windows, doors, and other inlets properly shut.
Secondly, you have the legal right to contact the creditors on whose behalf the bailiffs came to your house. Try to negotiate with the authorities, and convince them for resettling the due dates of payments. If you explain to them your financial situation, through valid, and authentic documentation, and if you had maintained a fair history of on-schedule payments, then there are chances that the creditors draft a new schedule of payments for you. They might also ask the bailiffs not to bother you again.
If your problem is not resolved yet, there is third way of getting out the bailiff out of your way, i.e. to hire a lawyer for your help, and guidance in legal matters. You can approach a magistrate by a written request to the magistrate who has authority over your area, and tell him the reason, and the supportive financial evidence of why you have been under the debt, and not able to pay it off.
You can also request him to cancel the warrants of the bailiffs, because you are willing to clear dues soon. If you make your intentions clear to the magistrate, then he/she might consider your request. In case, you do not have the means, resources, or any valuables to sell out, and pay the outstanding debt, even then, you can contact the magistrate, and mutually sort out a solution.
Last but not the least, if you come across your bailiff you can even settle the issue by discussion, but whatever is the case, never allow him to confiscate your possessions. If he/she misbehaves with you, you have the right to complain about his misbehaviour with sufficient evidence, or witnesses to the local magistrate. - 29866
About the Author:
Edward Woodwards is a financial consultant. You can take help on individual voluntary arrangement and solutions to debt problems. Find out more information at his recommended website http://www.iva.org.uk.
