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thanks, trying to get out of this nightmare without wasting too much of my precious money.
What's the difference between bailiffs and debt collectors?
Something we're often asked about is the use of bailiffs and debt collectors to get you to repay a debt. Although both can visit you at home, debt collectors and bailiffs are actually very different.
The important thing to know here is that a debt collector doesn’t have any special legal powers to collect a debt, whereas a bailiff does. Here we’ll break down what each can do and in what situations they can be used to collect debt.
What's a bailiff?
Nowadays bailiffs are officially called enforcement agents. However, many of us still refer to them as bailiffs.
A bailiff or enforcement agent has legal powers to collect a debt. Some bailiffs work on behalf of private companies, some are self-employed and some work for the council.
Bailiffs collect things such as County Court judgments (CCJs), council tax arrears, parking fines, and child maintenance arrears.
Bailiffs have a legal right to visit your property, and to remove and sell your goods to pay off a debt. These powers mean that these kinds of debts are more of a priority to stay on top of than other debts.
What's a debt collector?
A debt collector works on behalf of a creditor or debt collection agency. They can also be called a doorstep collector or a field agent.
Sometimes a creditor letter will mention having a debt collector visit your home. But the likelihood of this happening is actually quite small.
This could be because collection agents can’t actually take anything from your property like a bailiff can. The most they can do is ask you to make a payment arrangement on the debt. The key word here is ask, not force.
When can a bailiff collect a debt?
In most cases, a bailiff can only be sent to your property after court action - either via magistrates’ court, High Court or County Court, depending on the debt - has been taken. The exception is HM Revenue & Customs, who can use bailiffs without taking you to court first.
Even then, a bailiff only typically gets involved if you’ve ignored correspondence from the court or failed to set up a payment everyone can agree on.
When can a debt collector collect a debt?
Debt collectors can work on behalf of debt collection agencies or in an internal collections team for your creditor. In some cases, a debt collection agency will collect a debt on behalf of your original creditor.
Debt collection agencies also buy debts from creditors. Most debts will only be sold onto a debt collection agency if the account holder has defaulted on payments.
If you’re unsure who owns one of your debts, give the original creditor a call to see what’s going on. They’ll be able to let you know who you should be making payments to.
B2 or Academic Singles I thought I was joining. I have cancelled my credit card, so they can't take any more of my money but they are now threatening me with debt collection - Collections@call2collect.eu. Has anyone been down this path with them and what happened if you continued to ignore them?
thanks, trying to get out of this nightmare without wasting too much of my precious money.
Did you have an outcome on this matter?
B2 or Academic Singles I thought I was joining. I have cancelled my credit card, so they can't take any more of my money but they are now threatening me with debt collection - Collections@call2collect.eu. Has anyone been down this path with them and what happened if you continued to ignore them?
thanks, trying to get out of this nightmare without wasting too much of my precious money.
Did you have an outcome on this matter?
I'd love to know how they can collect a debt when they don't have a social security number for you
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