If you’re getting calls, texts or letters about money you owe, that’s hard enough. But when someone knocks at your door asking for payment, it can feel like things are really getting on top of you. The good news is there are clear rules about this kind of visit, and knowing them can make a big difference.
Is It a Debt Collector or a Bailiff?
Not everyone who shows up about a debt has the same rights. The first thing you need to do is find out who they are. Debt collectors don’t have legal powers, while bailiffs (also know as enforcement agents) do.
Firstly, you should always ask to see ID. If it says “debt collector,” “field agent,” or something similar, it’s not a bailiff. If the ID says “enforcement agent” or “enforcement officer,” you’re likely dealing with a bailiff.
What they’re collecting for is another clue. Bailiffs are usually sent to recover things like unpaid council tax, child support, court fines, or debts owed to HMRC. If it’s a personal loan, credit card, or catalogue debt, it’s more likely a collector—unless the court has issued a judgment against you (a CCJ).
What Bailiffs Can and Can’t Do
Bailiffs must have a court warrant before they can act. While they have more power than a debt collector, there are still limits.
They can’t just force their way in. In most cases, they can only come in through a door if you let them. They’re not allowed to push past you, use threats, or enter if no one over 16 is home. If you let them in, they might list things they could take, then return later to collect them. At that point, they could legally enter without your permission.
The safest move is to keep the door closed, speak to them through the letterbox or an upstairs window, and contact a debt adviser as soon as possible.
When It’s a Debt Collector
Debt collectors work for the company you owe or for an outside agency. They’re allowed to come to your home, but only after giving you notice. They can’t come to your workplace and can’t discuss your debt with anyone else.
They’re not allowed to take anything, force entry, or threaten you. If they pressure you, refuse to leave, or say anything misleading, you have grounds to complain.
If you get a letter saying a collector is visiting, don’t ignore it. If you can pay or set up a plan, that’s worth doing. If not, speak to someone who can help. Organisations like Citizens Advice offer free support.
Talk to our trained experts
A visit from a debt collector doesn’t mean the situation is out of control – but it does mean it’s time to take action. The earlier you deal with the debt, the easier it will be to sort out.
Our collections team are fully trained in the various free services that are available to assist when someone has fallen deep into debt, and will offer debt advice when the customer’s outgoings exceed their incoming revenue.