People with mental health conditions are legally protected against bailiff enforcement in many circumstances. The law recognises that mental illness may impair your ability to deal with bailiffs safely or fairly. If you suffer from anxiety, depression, bipolar disorder, PTSD, or similar conditions, you have the right to ask for enforcement to be stopped.
Why Mental Health Matters in Enforcement
- Mental illness can affect your ability to respond calmly or rationally
- Stress from enforcement visits may cause clinical deterioration
- The law prioritises dignity, safety, and proportionality
Legal Safeguards
- National Standards require bailiffs to withdraw and refer the case to the creditor
- The Equality Act 2010 protects against discrimination and requires reasonable adjustments
- Schedule 12 of the Tribunals, Courts and Enforcement Act 2007 limits bailiff powers
Evidence to Provide
To protect yourself, send any of the following to the bailiff company and the creditor:
- GP or psychiatrist letter confirming your condition
- Letter from a mental health nurse, therapist, or crisis team
- Copy of benefits related to mental illness (e.g. PIP, LCWRA)
- Statement from a debt adviser or support organisation
Your Immediate Rights
- Refuse to open the door
- Notify the bailiff you are vulnerable due to mental health
- Demand the case be referred back to the creditor
- Seek legal advice immediately if they refuse
How We Help
We’ve helped thousands of people stop enforcement due to mental health vulnerabilities. Whether you need to challenge a visit, get time to breathe, or file a court application, we’re ready to assist.
Get Mental Health Enforcement Help