County Court bailiffs
This fact sheet covers England & Wales. You will need different advice if you live in Scotland.
This fact sheet tells you about the powers county court bailiffs have if they are collecting an unpaid county court judgment.
Use this fact sheet to:
- find out what county court bailiffs can and can’t do;
- see how much a bailiff can charge;
- apply to court to stop county court bailiff action; and
- complain about the way a county court bailiff has behaved.
What are county court bailiffs?
This fact sheet is about county court bailiffs. County court bailiffs can be used when you have a county court judgment that you have not paid as the court has ordered. In some situations, High Court Enforcement Officers may also collect unpaid county court judgments. However, the rules about other types of bailiffs are different and are not dealt with in this fact sheet. Contact us for advice.
County court bailiffs work for Her Majesty’s Courts and Tribunals Service. They are responsible to the delivery manager of the County Court hearing centre that they work for.
Changes to bailiff law
On 6 April 2014, the law on bailiffs changed. If you are unsure whether a bailiff’s actions are legal, contact us for advice. Bailiffs are also commonly known as enforcement agents. In this fact sheet we use the term bailiff.
Bailiffs will visit your home or business premises and try to make a list of your goods. This is known as a ‘controlled goods agreement’. The bailiffs will then demand that you pay them the money owed. You may be able to come to an arrangement to pay what you owe by instalments. If you do not pay, they can return to remove the goods listed on the controlled goods agreement. They must have followed the correct procedures to be able to do this.
Instead of making a controlled goods agreement, county court bailiffs may also remove your goods straight away or, as a last resort, lock them up in a room on your premises.
In this fact sheet we explain the main rights of county court bailiffs and some of the important procedures they should follow.
If you need time to get debt advice and find a debt solution, you may want to consider applying for breathing space. Breathing space will stop most types of enforcement, and also stop most creditors applying interest and charges, for 60 days.
To find out more, see our Breathing space fact sheet.
Warrant of control
If you have a county court judgment for a debt and do not pay as the court has ordered, the creditor can apply to the court for a ‘warrant of control’. This warrant authorises a county court bailiff to try to take control of your possessions to encourage you to pay what you owe. The bailiff should give you seven clear days’ notice that they are due to visit you. This is often called the ‘enforcement notice’. ‘Clear days’ do not include Sundays, Christmas Day or bank holidays. It is often possible to stop bailiff action. See the later section Apply to suspend the warrant of control.
Your creditor has to pay a fee to the court for issuing a warrant of control. This fee will be added to your debt.
When the warrant of control is issued, the bailiffs have a right to try to take control of your goods. However, they cannot actually do this until the time limit on the notice of enforcement has run out. In practice, this means that bailiffs may still be able to take control of your goods even if you move them before the time limit has run out. They could try to take control of them at the place you have moved them to once the time limit has passed.
Bailiffs should show you their identification and a copy of the warrant of control if you ask for it.
Bailiffs can usually act on any day of the week, but only between 6am and 9pm (unless your business is open outside those hours).
How to make payment offers
If you can’t pay the bailiff the money owed in full, you can offer to pay by instalments. Make an offer of payment to the bailiff as soon as you can if you receive a notice that they are dealing with your case. If they agree to accept instalments from you, they may not need to visit your home or try to take control of your goods.
When you make an offer to pay by instalments, it is important to make sure the amount you offer is affordable. Complete Your budget to show your income and expenditure, and to work out how much money you have left to pay to the bailiff and any other debts you owe. A debt being collected by a county court bailiff will usually be a non-priority debt. Send a copy of your budget and your payment offer to the bailiff in writing. Try to make the payments even if the bailiff doesn't accept your offer.
If the bailiff attends your home and takes control of your goods, you may be asked to sign a controlled goods agreement. This means that you can keep your goods as long as you make all of the payments on time. Use your budget to make sure that any payments you agree to are realistic and affordable.
To stop the bailiff action, see the later section Apply to suspend the warrant of control.
Can bailiffs force entry to my premises?
You do not have to let a bailiff into your home. County court bailiffs are only allowed to force their way into your home if all three of the following points apply.
- They have taken control of your goods inside your home.
- If you made a controlled goods agreement (CGA) with the bailiff you have broken the CGA by missing at least one payment.
- They have given you two clear days’ notice that they are coming to inspect or take these goods.
If you have not let the bailiffs in before, keep your doors locked. Although bailiffs should not enter through a window, it is a good idea to keep windows closed.
Bailiff entry rights
Bailiffs can only enter your premises by a normal method of entry, such as a door. They should not enter by a window and they are unlikely to be able to use ladders to get over gates and fences.
Virtual Controlled Goods Agreement
A bailiff may ask you to agree to making a 'virtual' or non-entry controlled goods agreement (CGA) when they initially contact you by telephone or letter, rather than coming to visit your property to take control of goods.
- You don't have to agree to making a virtual CGA. If a bailiff visits your home they do not have the right to force entry if they are collecting most types of civil county court or high court judgments.
- There are potentially advantages and disadvantages to agreeing a virtual or non-entry CGA, depending on your circumstances.
- If you have a stable income and you are very confident that the money you have available on you budget is sustainable, a virtual CGA may be worth considering due to potential benefits, such as not having a bailiff coming to your home and saving fees.
If you are considering whether to agree to making a CGA contact us for advice.
A bailiff can take control of goods outside your home, so if you have a vehicle, keep it in a locked garage. If you park the vehicle on your drive, the bailiffs could clamp and possibly remove it.
You could park the vehicle away from your property, but if you park it on a public road and the bailiff finds it, they could clamp and possibly remove it. Contact us for advice.
Changes to bailiff law
This is our understanding of the rules on bailiffs from 6 April 2014. Some bailiffs may argue that under the new rules, they can go anywhere they like to take control of your goods. They may say that this allows them to come into your home even if they have not been in before and that you should not refuse them entry. If a bailiff says things like this to you, contact us for advice.
The law is clear that bailiffs can break into your business premises even if they have not been in before.
What goods can bailiffs take?
County court bailiffs should not take:
- clothing, bedding, furniture and basic household items that are necessary for the basic domestic needs of you and your family;
- tools, books, telephones, computers, vehicles and other items of equipment that you need to use personally in your job, business or education (up to a total value of £1350); and
- items you or someone else is physically using where taking the goods straight away is likely to lead to a breach of the peace.
This means that items of equipment that you need to use in your business or education that are worth more than £1350 are not exempt.
The goods that bailiffs are not allowed to take include the following.
- A cooker or microwave.
- A refrigerator.
- A washing machine.
- A dining table and chairs for you and your household.
This is not a complete list of goods that bailiffs should not take. If you are unsure whether an item is exempt or not, contact us for advice.
Can bailiffs take goods belonging to someone else?
The bailiff should not take goods that belong to other people. If they threaten to do this, explain that the goods do not belong to you. Show a receipt or credit agreement as proof. If the owner hasn’t got a receipt, they can provide a sworn statement called a ‘statutory declaration’ instead. Contact us for advice.
If a bailiff takes goods belonging to a third party, the third party should write to the bailiff to show that they own the goods. The bailiff should pass this information onto the creditor. The creditor should then decide whether to accept or reject the third party's claim. If the creditor rejects it, the third party can apply to court to get the goods back. However, they will need to pay the court a deposit. The size of the deposit depends on the value of the goods that have been taken. Contact us for advice.
Bailiffs can take goods that are jointly owned by you and your partner, but they are only entitled to your share of the goods.
Can bailiffs take goods on hire purchase or conditional sale?
There are different legal views about whether bailiffs can take control of goods on hire purchase or conditional sale agreements. If a bailiff threatens this, contact us for advice.
What if there are no goods to take?
If the bailiffs come into your home, they may decide that your goods are not worth enough to cover the cost of them coming with a van to remove and sell them. If this is the case, the bailiff may return at a later date to try to take control of your goods. They have 12 months from the date of the enforcement notice to take control of your goods.
If you made a payment arrangement with the bailiff after they sent you the enforcement notice, the 12 month period starts from when you broke the terms of the repayment arrangement.
What if bailiffs cannot gain entry or there are not enough goods for them to take?
Bailiffs may try to visit your premises and take control of your goods more than once. However, if they are unable to do this, or there are not enough goods for them to list, they will usually return your case to the court. The creditor will be told about this and may decide to try other types of enforcement action. Contact us for advice.
What if I have already let the bailiffs into my premises?
If you have already let a county court bailiff into your home or business premises, it is important to bear in mind the following points.
- The bailiff will not usually take away goods on their first visit.
- They may ask you to sign a ‘controlled goods agreement’. This allows you to keep using the items listed on the agreement. However, if you break the terms of the controlled goods agreement, the bailiff can return and take the goods by breaking in if necessary. If you don’t sign the agreement, the bailiffs may remove the goods straight away. They could also lock up the goods on your premises, but this is less likely. Contact us for advice.
A bailiff may not be able to take goods that are worth more than you actually owe. If they threaten to do this, contact us for advice.
If you want to complain about a bailiff, contact us for advice.
What fees can bailiffs charge?
County court bailiffs can charge you the following fees if they start the type of action described.
- £75 for being instructed by the creditor, carrying out initial checks and investigations and receiving payments.
- £235 to cover visiting and entering premises and taking control of your goods.
- £110 to cover removing your goods, valuing them and arranging for them to be sold.
- The cost of storing goods which the bailiff has removed from you.
- The cost of hiring a locksmith, if one is needed.
If your debt is over £1500 or if your goods are sold, further fees can be charged. Contact us for advice. In practice, county court bailiffs use a different set of fees. For example, they are likely to charge reasonable expenses for removing your goods and certain percentage fees for valuing and selling them. There is no definition of what reasonable expenses means. The bailiffs should give you information about how much you owe before and after they visit you. If you are unsure whether they have charged you the correct amount, contact us for advice. If they have charged you too much, you may be able to challenge the fees through the County Court.
When can bailiffs sell goods that they have removed?
After bailiffs have removed goods that they have taken control of, they may sell them at public auction. However, at least seven clear days must have passed before they can do this. In some situations, bailiffs may ask the court for permission to sell the goods privately. Contact us for advice.
What paperwork should bailiffs give me?
Under the law, bailiffs have to leave you paperwork telling you what they intend to do or what they have done. For example, bailiffs should give you a notice telling you:
- when they intend to visit you;
- when they have taken control of your goods; and
- when they intend to re-enter your premises after entering before.
There are strict rules about the information this paperwork must contain. If the bailiffs do not give you the correct paperwork, you can complain or consider taking legal action against them. Contact us for advice.
Apply to suspend the warrant of control
You can stop a bailiff from trying to take control of your possessions by suspending the warrant of control. You will need to apply on form N245 which is available from your local county court hearing centre. The court cannot refuse to accept the application just because the bailiff has not yet visited or managed to get in. However, the bailiff can continue to call round until the court agrees to suspend the warrant.
You cannot apply to suspend a bailiff's warrant if they are collecting a parking penalty charge for a local authority. Contact us for advice.
Filling in the N245 application form
Use our online tool Your budget to work out your budget. Make sure you include all your income and outgoings from your budget on form N245. If you are a couple, it is usually best to include your total household income and outgoings. Make sure you have included details of all payments you make on your debts. This will make it clear to the court that you can only afford to pay the amount you have offered. Contact us for advice if you have any problems filling in the form.
There will be a fee to pay with your application. If you are on a low income or certain benefits you may not have to pay the fee. See Do I have to pay a court fee? at the end of this fact sheet.
What happens next?
Send or take your completed N245 application form to the county court hearing centre that sent the warrant to you. You will have to pay your fee to the court when you give them the application, unless you don’t have to pay on the grounds of hardship. Keep a copy of the completed form. The court will send the creditor a copy of your application form.
If your creditor agrees to your application
They will notify the court. The court will then send you details of what has been agreed and how to pay. If the creditor does not agree to the offer of payment on your application. The court will work out how much you should pay from the information you have provided on the form.
If the creditor does not agree to the offer of payment on your application
The court will work out how much you should pay from the information you have provided on the form.
If the creditor objects to the warrant of control being suspended at all
There will be a short hearing for the district judge to decide what to do. You must go along and explain your circumstances in person. Take a copy of your budget with you.
If the court orders you to pay more than you have offered
If you do not agree with the amount the court orders you to pay, you can ask for a hearing to explain your offer to a District Judge. You need to use a general application form called an N244, which is available from your local county court hearing centre and ask for the court to reconsider the offer you have made. The hearing will be sent to your local county court hearing centre. There should not be another fee to pay at this stage.
You must submit your N244 application within 14 days of receiving the order to pay. You should go along to the hearing, taking a copy of your budget with you.
You can find most court forms using the court form finder on the HM Courts and Tribunals Service website. You can fill in application forms online and print them off to sign and send to court.
Do I have to pay a court fee?
When you apply for help to pay a court fee, the court will use two tests to decide your application. See our fact sheet Help with court fees.
How can I complain about county court bailiffs?
If you are unhappy with the way bailiffs have acted, write to the delivery manager of the County Court hearing centre they are working for. This will usually be your local County Court hearing centre. Include your name and address, the case number and warrant number and explain what your complaint is about.
The delivery manager should investigate your complaint and tell you in writing about any action they will take. If you are not happy with the delivery manager’s response, you can ask for your case to be reviewed. Once you have been through all the stages of the court’s complaint procedure, you may be able to take your complaint to the Parliamentary and Health Service Ombudsman. See Useful contacts at the end of this fact sheet.
There are details of the HM Courts and Tribunals Service complaints process on www.gov.uk. Alternatively, you can make a court claim against the bailiff for any loss you have suffered. If you are considering this option, contact us for advice.
Share your experience about bailiff action anonymously on www.bailiffreform.org by filling in a simple form. We will share these stories with Ministers and MPs and ask them to look at reforming the rules on what bailiffs can do.
What are the ‘Taking Control of Goods: National Standards’?
The ‘Taking Control of Goods: National Standards’ are good practice guidelines that set out general rules on how bailiffs should behave and what procedures they should follow. You can mention these standards in support of your complaint but the standards are not enforceable by law.
Before bailiff action
If the creditor has not already applied to use bailiffs, you may be able to avoid this by applying to vary the payments on the CCJ. There are different ways to do this, depending on when and how the decision about how much you should pay was made. See our Varying a CCJ fact sheet for more information.
Parliamentary and Health Service Ombudsman Phone: 0345 015 4033 www.ombudsman.org.uk
Taking Control - The campaign for bailiff reform www.bailiffreform.org