About Bailiffs
A bailiff can seize goods or personal possessions owned by the person who owes the debt and, in some cases, where a couple are cohabiting, the possessions of your partner as well.
A bailiff will usually assess your possessions at only their second-hand value.
This valuation can be as low as 10% of its actual replacement cost. This means if you owe £100 the bailiff could seize around £1000 worth of your possessions in order to cover the value of the debt.
When the cost of removing these items is added to the cost of selling them, you could end up losing your possessions and still owing more money than you did before your possessions were seized.
You may then have to borrow money to replace the things you lost and the cycle of debt starts over again. This unfair system affects the poorest of people in our society and promotes further debt on those who can least afford to pay it.
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