If you are a vulnerable person, you have legal protection from bailiff enforcement. Many people do not realise that age, health, mental illness, disability, or recent trauma can entitle them to special treatment under enforcement law.
Who Is Considered Vulnerable?
The following categories are recognised as vulnerable under enforcement guidelines:
- Older people (especially aged 65+)
- Disabled individuals (physical or mental)
- Pregnant women or recent mothers
- People with serious or chronic illness
- Those suffering from mental health problems
- Recently bereaved or unemployed persons
Legal Duties of Bailiffs
- They must assess vulnerability before taking any action
- They must not enter if only a vulnerable person is present
- They must refer the case back to the creditor if vulnerability is identified
- They must not remove essential items or vehicles used for care or transport
Evidence to Provide
- Letters from your GP, therapist, or social worker
- Disability benefit documents (PIP, ESA, LCWRA)
- Statements from support charities or debt advisors
You should email this to the bailiff company or creditor as early as possible and retain proof of delivery.
Enforcement Regulations and Guidance
- Taking Control of Goods: National Standards (2014)
- Equality Act 2010 – reasonable adjustments
- Tribunals, Courts and Enforcement Act 2007, Schedule 12
Immediate Protection Steps
- Inform the bailiff in writing of your vulnerability
- Request suspension of enforcement due to protected status
- Contact your local council or creditor with supporting evidence
- Apply to court if bailiff refuses to withdraw
Get Help Asserting Your Rights
We specialise in protecting vulnerable debtors from unlawful enforcement. If you need help stopping bailiffs or gathering evidence, speak with us today.
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