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Template Letters help with bailiffs

Published on July 11th, 2014 | by FinanceLoophole


Help with bailiffs – Payday loan advice

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I have not been able to pay my debts and my loan company is threatening me with the bailiffs to take my stuff – what can I do?

The first thing you need to do is make sure you avoid getting into this situation in the first place. You can do this by negotiating with the company to arrange a repayment plan which is suitable for your circumstances.

The loan company wants to get the money paid back to them so don’t rush into something you cannot afford. Normally a repayment plan involves a set amount which you pay them each week or month. You can use the template below for this. Fill it in and send it to you loan provider.

If you cannot come to an agreement on how much to pay back on a repayment plan, then they would need to get a warrant of execution from the courts before they could send in a bailiff to remove your property.

How can we help with bailiffs

If your loan company do send the bailiffs, you do not have to let them in and they won’t generally force their way into your home. However, they are allowed into your property without your permission if they can enter without breaking in. This is called ‘gaining peaceful entry’ and includes getting in through an open window, or a closed but unlocked door.

They cannot take your clothing, bedding, furniture or any household goods. The goods which they remove from your house will be sold at auction in order to pay off your debt.

The rules about bailiffs are complicated, and it is always sensible to get advice from a specialist debt adviser or advice service  if it has got to this stage before they arrive.

Free download – Negotiate a payday loan repayment plan which works for you (word doc 22kb)

When contacting your payday loans lender

  • Know your rights – having a look around this site can help
  • Make sure you are reasonable with them
  • Make sure you keep a cool head

This can often be very difficult as you will be feeling under pressure and stressed. But If you don’t do this when you contact them then it is much more likely that your payday loan company will ignore your problems or try to bully you into repayment.

Get help now

If your debt is over a certain level, another invaluable source of payday loan help and help with bailiffs may be open to you. If you are really struggling with payday loan debt, a debt management company can transform your situation. A good debt management company will charge no upfront fee, and will contact the company your payday loan debt is owed by on your behalf. With experience of dealing with these companies and expert knowledge of regulations and rights, they can halt all threats and unnecessary contact, and help create a much more manageable situation in which you will finally be able to successfully pay back your loan.

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