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Complain to a Council About their Bailiffs – Letter Template

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

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&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Mar 14th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Featured in...
Complain to a Council About their Bailiffs

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Are you looking to complain to a council about their bailiffs? This guide is for you. 

We know that dealing with debt can be tough, and writing a formal letter to solve your problem might seem daunting.

But don’t worry; you’re not alone. Each month, over 170,000 people visit our website for guidance on debt solutions.

In this guide, we’ll show you:

  •  How to use a letter template to lodge a complaint about a council’s bailiffs.
  •  What bailiffs can legally do.
  •  What to do if you don’t get the response you hope for.
  •  How to write off debt legally.
  •  How much debt is too much.

Reading this guide will give you the knowledge and confidence to take the next step. Remember, we’re here to help.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Letter Template

To Whom It May Concern

Regarding Case #: [your case number]* (required)

I am writing to you to complain about the actions taken by the bailiffs who are collecting [enter the type of debt]* (required) of £[amount]* (required) on your behalf.

[explain the details of your complaint. set out the facts clearly and put things in date order if possible. say what you are not happy with and what you want the bailiff company and the council to do about it. if you are complaining about the fees the bailiffs have charged you, set out what fees have been charged and say why you think they are wrong. include a copy of any paperwork that you feel supports your complaint.]*. (required)

If you fail to resolve my complaint to my satisfaction, I will have no alternative but to take my complaint to the Local Government and Social Care Ombudsman.

I look forward to hearing from you.

Yours sincerely


Downloadable Resource

The download links below take you to a Google document template where you can make a copy or save in any document format you like. Note, you may have to login to your Google account.

Download – Single (for one person)
Download – Joint (for couples)

Can the council send bailiffs?

If you have failed to agree a repayment plan with your local council for debts, they can apply to the courts to use a bailiff to recover the payment. The bailiff they use does not work for the council directly, but rather, they are employed by the council for this purpose. It is common for councils to use a select number of bailiff companies or one specific company for all their debt collection needs.

Sometimes the council will not need to use a bailiff to recover the debt. Courts can take money from some benefit payments and hand it over to the council as a workaround for having to use bailiffs. 

» TAKE ACTION NOW: Fill out the short debt form

Can bailiffs force entry for council tax debt?

Bailiffs can use reasonable force to enter a property and repossess items. They can never physically harm you to do this. However, when it comes to council tax debts, parking fines and catalogue debts, they are not allowed to force entry.

If your bailiff forced entry when visiting you to recover council tax debt, this would be a good reason to download our letter template for free and make a complaint. 

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get started

What can a bailiff legally do?

Bailiffs can legally take items that belong to the person or persons with the debt. For example, they could repossess a TV or vehicle if the vehicle is owned by the person or people in debt. This would be sold at an auction and the funds raised will go towards paying the debt.

Instead, you can agree to repay the debt in full, or agree on a repayment plan with an initial lump sum of significant value. Bailiffs do not have to accept a payment plan.

Bailiffs cannot take items that you need for employment, such as worker’s tools and machinery. They also cannot take consumables. 

What if you don’t get the response you hope for?

As stated in our free letter template, you should escalate the complaint to your local MP and the Social Care Ombudsman if you don’t get the response you hope for. Hopefully, your complaint will be taken seriously by the council and investigated, but if not, rest assured there are more people who will listen. 

Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.