Keeping a Bailiff Out of Your Home

At Workers of England, we understand that many members are under significant financial pressure. Our campaign team is here to help you know your rights when dealing with bailiffs. Below is an overview of what you need to know to keep a bailiff out of your home.

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What Is a Bailiff?

A bailiff is authorised by a court to seize belongings in order to recover an unpaid debt. Creditors generally pursue other avenues first, but if payments are missed or demands ignored, they can instruct a bailiff to visit your property. Bailiffs may also evict homeowners who fall into arrears on their mortgage. Debt collectors do not have the same legal powers—only a genuine bailiff holds a court’s authorisation.

Learn more about your rights.

Can a Bailiff Force Entry?

In most situations, a bailiff cannot force their way into your home or business. Exceptions include:

• Unpaid county court or High Court judgments
• Magistrates’ court fines
• Monies owed to HM Revenue & Customs

In these cases, a court may grant a warrant allowing entry by reasonable force: cutting a padlock, breaking a gate, or similar actions.

For full guidance, see our detailed article on forceful entry.

When a Bailiff Calls

Except in the above scenarios, you are not obliged to let a bailiff in. If they arrive:

• Speak through the door or letterbox—do not open it.
• Ask for authorisation, ID, and a court order if they claim the right to force entry.
• Even if you open the door, you retain the power to refuse entry.

Be polite but firm. Offer to contact the creditor to set up an affordable repayment plan. If you choose to pay on the spot, meet them outside and always get a receipt.

Return Visits

If a bailiff has already been inside, they may legally return to:

• Inspect goods they’ve taken control of.
• Seize additional items brought into the property.

Unless armed with a forcible-entry court order, they must serve at least two clear days’ notice before re-entering.

Unlawful Behaviour

Bailiffs must use only their legally granted powers. If you experience threats, harassment, or forced entry:

• Make detailed notes of date, time, and what was said.
• Record the visit on your phone if safe to do so.
• Remember, they cannot enter through a window or climb over fences.

You can complain directly to the bailiff firm and/or your creditor, and if a criminal offence occurred, contact the police. A witness can be invaluable if you suspect unlawful conduct.

Avoiding Bailiff Visits

The best way to steer clear of bailiffs is to contact your creditors early. Most lenders will agree to an affordable repayment plan if approached before the situation escalates.

Have you been visited by a bailiff? Tell us about your experience below…