ANH Bailiff Ltd are known to get in touch with many people a day about their debt. Getting contacted about outstanding debt is never enjoyable but, unfortunately, debt issues are common. Many people struggle with debt on a daily basis and getting contacted regularly about debt can be highly frustrating. In many cases, if you have debts outstanding or you have received fines and not yet paid them, there is every chance that you will end up on the receiving end of calls or letters from companies like ANH Bailiff Ltd bailiffs.

If you have received contact from the bailiffs, it can be upsetting, but you need to take steps to deal with it. There is no point in burying your head when it comes to your debt. It won’t go away! Thankfully, there is some help out there to enable you to deal with the situation and to help ensure the situation doesn’t get any worse for you. In this article, you will find out more about who ANH Bailiff Ltd are, how to deal with them when they visit your home, and handling any other requests from them.

Who are ANH Bailiff Ltd?

ANH Bailiffs Ltd were a certificated enforcement agent that were authorised by Birmingham Civil Justice Centre. They were formed in January 2016 by Nina Hinton and were based in Dudley in the West Midlands. In April 2018 Agnieska Hinton became a co-director.

In November 2019 the company was voluntarily struck off the Register.

What is the reason for the contact?

If you have never heard of ANH Bailiff Ltd before, you may be working whether they are an authorised organisation. This company are legitimate, so if they are contacting you, whether by email, letter or any other form, it is important that you do not ignore it. There are many reasons why they might be getting in touch with you. These reasons include:

  • Debt you might owe to individuals, businesses or other organisations
  • Unpaid tax or overpayments from HMRC, which you are due to pay back
  • Credit card and payday loans you have failed to pay back
  • Court fines you have defaulted on

Usually, the original creditor will tire of chasing you for the debt, and as a last resort, they will pass your unpaid account to ANH Bailiff Ltd, in the hope that they can deal with it and encourage you to pay up. This means your debt will be with a different company, so you may not recognise ANH Bailiff Ltd, but you still need to pay your debt. Some of the companies they may contact you on behalf of, include:

  • Utility companies including Npower, United Utilities and a whole host of other supplies
  • Mobile and broadband companies, including O2, Virgin Media and EE
  • Local council debt, including council tax

ANH Bailiff Ltd will not usually buy just one debt, they will buy a pack of debt, which gives them the chance to make more money. In this case, they are not just trying to obtain money for the original creditors, they are collecting the money to make a profit. The way this works is that they pay a small amount for the debt, and they make money as soon as they start collecting payments.

Is There Any Way of Stopping Contact from ANH Bailiff Ltd?

It is common for agents from ANH Bailiff Ltd to stop at nothing to get you to make payment. You may receive relentless phone calls or letters from them, and in the end, they may even turn up at your home. There are many people who feel that the best course of action is just to ignoring them, in the hope that they will stop. Unfortunately, this won’t help and they won’t stop. You should attempt to deal with the problem head-on.

In some cases, bailiffs like ANH Bailiff Ltd will visit you on behalf of another company to serve you with court documents or give notices and summons. If they do decide to visit your home, they should provide you with at least 7 days’ notice to let you know about their intentions for their first visit. You have the right to stop them from visiting your home and contacting you about the debts, and the best way to do this is to start paying your debts.

They have the right to contact you about the debt, bu these are some things you can’t do. These include:

  • Sending letters to you that deliberately look like court forms
  • Calling you at unsociable hours, such as late at night or very early in the morning
  • Phone you at work when you’ve specifically told them not to
  • Use jargon or technical language you might not understand in order to confuse you.

If you want to find out how to contact ANH Bailiff Ltd, take a look at the letters you have received from them, or the company’s website If you contact them, it will increase your chances of dealing with the issue as quickly and efficiently as possible, without having to face additional costs or deal with the stress of them visiting your home.  

If you believe that this debt is not yours, you have the right to ask them to prove it and give evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).

Do ANH Bailiff Ltd Have Any Powers?

As ANH Bailiff Ltd are an enforcement agent/bailiff, they have some legal powers regarding your debt, that you should be aware of. It is not one sided though, you also have rights regarding your debt and the way they deal with you.

Bailiffs have the right to visit your home in order to get the money back that you owe. Depending on the circumstances, they may even have the power to visit your home and enter the premises, they may even have the right to take some of your possessions to sell. If you owe the money, and you refuse to allow them to enter your premises and do not come to an arrangement to pay them, they may even be able to take goods from outside your house, such as your car.

If you are visited from ANH Bailiff Ltd and you tell them you don’t have any intention to pay them, they will have the right to remove luxury items from your homes. Luxury items may include your TV, games consoles, and even your jewellery.

If your debt relates to more serious cases, such as criminal fines you have failed to repay, stamp duty or income tax, bailiffs have the right to force entry to your home, but this will be a last resort. These are the most extreme cases, in most instances, Bailiffs cannot enter your home in any of these ways:

  • They cannot force entry into your home
  • They do not have the right to attempt to enter your home if you have someone under the age of 16 at home
  • After the hours of 9pm or before 6am
  • Through windows or other openings aside from doors

What Steps Can You Take if ANH Bailiff Ltd Visits?

Unless there are extreme circumstances involved, you do not have to let bailiffs into your property. Of course, they may say that they have the right to enter and they may even try to force you into this, but you should know that they are only able to force entry, if you either have unpaid magistrates court fines or tax debts and, they must also have the necessary paperwork. If this is the case, they may get a locksmith involved to gain entry to your property, but they do not have the right to break your door.

If a bailiff from ANH Bailiff Ltd (or any other bailiffs) do end up up at your door, you should always ask them for identification. If legitimate, they should be able to provide these:

  • ID card, badge, or certificate or anything else that shows how they are
  • Proof of the company they’re working (for example, ANH Bailiff Ltd)
  • Confirmation of what you owe, with a clear breakdown of the total costs, including any charges
  • Evidence that they have the right to force entry, for example, a warrant

You don’t need to let them in to give you the documents, simply ask them to pass them through the door so that you can inspect them. Any documents should still be in date and have all of the necessary information clear and concise, such as your correct name and address.

If you find that they do not have the right to gain entry to your home, you can request that they leave and that instead, you will contact the ANH Bailiff Ltd head office and arrange to make payment. If they are chasing you about debt that is in someone else’s name, you have the right to request that they leave and that you will contact the head office instead.

ANH Bailiff Ltd will not forget about the debt, they will continue to pursue it. If you don’t take any action to pay the debt back, they will continue to try and contact you or even visit your premises. It makes more sense, therefore, to sort out the debt as quickly as possible.

Can You Do Anything if ANH Bailiff Ltd Take Your Goods?

If you have allowed a ANH Bailiff Ltd bailiff entry into your home, there is every chance that they might have taken some of your goods to sell, to cover the costs of your debt. However, all is not lost, you may be able to get these back.

If you want to get your goods back, the best thing to do is to pay or settle the debt straight away, before they are sold. The other option is to agree to a suitable repayment structure with your creditors, or you may be able to buy your goods back, to cover the debt.

If you believe that ANH Bailiff Ltd have failed to follow the correct legal procedure, this is another way you may be able to retrieve your items. It may be worth contacting Citizens Advice to find out more about this.

Steps to take to deal with ANH Bailiff Ltd

If you are dealing with ANH Bailiff Ltd, there are some things you can do and some things you definitely shouldn’t:

Don’t just ignore the contact

You should never ignore the calls or letters from ANH Bailiff Ltd, as they will continue to be relentless. The debt will not just disappear on its own, and you can guarantee that they won’t just decide to give up. It is also worth bearing in mind that enforcement agents like ANH Bailiff Ltd may charge an extra fee for having to deal with your debt. These fees include:

  • Compliance – £75. This is a fee for sending an enforcement notice asking for payment.
  • Enforcement – £235 (or 7.5% over £1500). A charge for visiting your home or business to remove your goods.
  • Sale of goods – £110 (or 7.5% over £1500). A cost for removing your possessions and having to sell them.

Whether you believe this is your debt or not, you should always respond to any correspondence, as ignoring them will lead to someone being sent to your home. The first step is to find out if you have liability for the debt, and then you can take the appropriate steps to deal with it.

Find out if you owe the debt

If you have received a letter which says that you owe money, you should clarify if it is your debt, and if it is accurate. If you don’t recognise the debt, it could be an error, so it is a good idea to get confirmation on this. In some cases, you might have already paid the debt, and in which case, you should seek proof.

If it has been over six years since you made a payment to the debt or since you had been in touch with the creditor, you may not need to pay the debt, as it would usually be wiped off after this period of time. Equally, if you feel that you were pressured into signing the agreement or there was no affordability check, you may not need to repay it.

Pay the debt

If the debt belongs to you and it is within the time period of less than six year, and ANH Bailiff Ltd has provided you with proof, you are liable for it. If you are able to make the payment, the best option is to pay it and just clear the account off. In doing this, the company will not keep contacting you further, and you can just get on with your life without having to worry. You should always ask for a receipt for any payments you make to your debt.

If you do not have the capacity to pay the full amount straight away, you should be able to set up a suitable repayment plan. You can contact ANH Bailiff Ltd and explain your financial situation with the. They will usually allow you to pay in installments, if you can’t afford to pay it all in one payment.

How You Can Deal With Your Debt From ANH Bailiff Ltd

If you are looking for some help with your debt from ANH Bailiff Ltd, and you’re not quite sure what to do, there are some steps you can take. You should contact them in the first instance, and discuss your financial situation and the debt with them. If you have liability for the debt, the most appropriate action is to clear the debt, if possible. If this is not possible, there are some other steps you can take.

Individual Voluntary Arrangement (IVA)

There are some cases where you can completely write off some of your debts. In England, Wales and Northern Ireland, there is the option of an IVA, which is where all your debt is combined. With this, you only make one monthly payment and this is usually at a lower rate. After a set period of time, the debt will be legally written off.

Debt management

There are also other debt management options available, which will depend on your circumstances. Some of the options include debt management plans, consolidation loans, and in the worst case, you may want to declare bankruptcy. You should always the different options available to you, and seek professional advice to find out which is the best method for you.

Citizens Advice

If you hare concerned about ANH Bailiff Ltd and you are not quite sure how to deal with them, there is the option of speaking to the Citizens Advice. The Citizens Advice have a great deal of free resources available to debtors, and these may help you prepare for a bailiff visiting your home, and advisers who will be able to analyse any notices you have received.

Formal complaints

You can take a look at the Trustpilot reviews of ANH Bailiff Ltd for some additional information, but you will find some unpleasant reading. They have been described in some cases as ‘bullies,’ and other words have been used, including ‘threatening,’ and ‘mistreated.; If you believe that ANH Bailiff Ltd have failed to treat you right, you will be able to make a formal complaint. If ANH Bailiff Ltd do not respond to this appropriately, you can also contact the Financial Ombudsman Service to take matters further. 

ANH Bailiff Ltd – The Conclusion

No one particularly enjoys dealing with debt enforcement agents such as ANH Bailiff Ltd, but it is important to understand your legal rights and their boundaries, so you are well aware of what to expect from them. It is important that you don’t just ignore letters or calls from companies such as ANH Bailiff Ltd, even if you believe it is not your debt. IfANH Bailiff Ltd visit your home, you have the right to refuse entry to the bailiff, unless they have a court-certified warrant or writ. In this case, the alternative is to contact the company directly to and either pay the money or contest the claim.


What are my rights if a bailiff comes?

Bailiffs are only permitted to come to your property between the hours of 6am and 9pm and they are required to give you 7 days notice. They have no right to force you out of the way to gain access to your property.

How many times can a bailiff visit?

There is no limit to the number of times a bailiff can visit, however, it is essential visit between the hours of 6am and 9pm.

What happens if I don’t let bailiffs in?

If you refuse entry to the bailiffs, you may find that they return with a locksmith when you’re not home.

Can a bailiff break down my door?

Bailiffs do not have any right to break your door down. They must always use a locksmith. Also Bailiffs are only allowed can only enter through a door, not a window for example.

Can bailiffs take my car if I need it for work?

Bailiffs are permitted to take your car, even if you need it for work. They are used to tricks such as parking it on another street. They must not take the car if it’s on private property, if it does not belong to you.


Schedule 12, Tribunals, Courts and Enforcements Act, 2007

Part 1, Regulation 10, Certification of enforcement agents, 2014., CPR – Rules and Directions, 2018.

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more