Pre-Bailiff Visit Letter
On occasion, creditors have been known to send our pre-bailiff letters, in this case; “I have called on a Pre-Bailiff visit on behalf of CL Finance, but was unable to make contact with you. Please telephone me URGENTLY………. ” Knowing the person that was sent this letter, this letter was really sent to them in order to make contact with the creditor. In this particular case CL Finance were not sure if the person the letter was addressed to was still a resident at that address. Should the debtor make contact with them, then CL Finance would be more confident that the debtor was still at this address.
When Do Bailiffs Visit a Property
Firstly, do not worry that the next knock at the door will be a bailiff. A bailiff may visit a property in the UK if a debtor has failed to pay a court-ordered debt such as council tax, parking fines or business rates. The bailiff will usually have been appointed by the court to collect the debt on behalf of the creditor. Before visiting a property, they are usually required to send a written notice to the debtor informing them of the impending visit. The notice should state the amount of debt the debtor owes, the date of the visit, and what will happen if the debt is not paid. So if you are sure this debt has not gone before the courts, then you will not get a visit from a bailiff.
What Should I Do if I get a Pre-Bailiff Letter
Firstly, only you will know if this pre-bailiff letter is just a way of finding out if you are at that address. Hiding from a creditor may not be advisable, as it is not too difficult for them to track you down. Creditors often have access to a variety of resources, including credit bureaus, collections agencies, and other legal databases, that can help them locate debtors. In addition, they may hire private investigators (if the debt is large) or use other methods to track you down. As such, it is important to face creditors head-on and work out a payment plan that is mutually beneficial. If you ignore them, they may resort to more aggressive measures, such as Income Payment Order or asset seizure (perhaps a car), which can be very damaging to your financial situation.
Taking Advice on How to Deal with Your Debts
We are not say “Hello Creditor, here I am”, but do consider getting advice; Getting good advice on how to deal with your debts is essential to getting out of debt and regaining financial stability. It is important to consult a reputable credit counselling or debt advisor who can help you create a plan to pay down your debts. They can help you understand your rights and responsibilities as a consumer, and provide you with information about debt relief from some of the options that are currently available. Additionally, they can also provide advice on budgeting and money management techniques, and even refer you to other debt relief services like bankruptcy. In short, getting good advice on how to deal with your debts is the first step to becoming debt-free and taking control of your financial future. Perhaps, your first option may be contacting Citizens Advice as they are a free service.
In reality though, the main purpose of this letter is to try and make you contact the creditor.
The word pre-Bailiff is really designed to scare you into thinking that the next time there is a knock on the door, it will be the Bailiff! In this particular case – not true However, things will not get better if you ignore this type of letter. You may also be interested in this post; Hiding From Creditors, it will give you some idea of the tools they use to track you down.
What should I do if I receive a pre-bailiff visits letter?
If you happen to receive a pre-bailiff visits letter, it is important to approach the situation proactively and take appropriate steps to handle it effectively. Begin by carefully reading and understanding the contents of the letter, as it will provide crucial information about the upcoming visit and the reasons behind it. It is advisable to familiarise yourself with your legal rights and responsibilities pertaining to such situations, paying close attention to any applicable laws or regulations. Furthermore, it is prudent to assess your financial situation and explore potential solutions. This may involve contacting the relevant party to negotiate a mutually agreeable arrangement or seeking guidance from debt management organisations. By taking these measures, you can address the issue diligently and work towards resolving any outstanding matters.