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How long can a Bailiff clamp my car for?

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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
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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
· Feb 7th, 2024
Could you legally write off some debt? Answer below to get started.

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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.

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How long can a Bailiff clamp my car

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 worried about a bailiff clamping your car? You may be feeling stressed and unsure about what to do next. Don’t worry; you’ve found the right place to get help.

Each month, over 170,000 people visit our site to get advice on difficult debt situations like yours. Here, you can find clear, easy-to-understand answers to your questions.

In this article, we will:

  •  Explain how long a bailiff can clamp your car for.
  •  Give you tips on what to do if this happens.
  •  Share information on what a County Court Judgement (CCJ) is.
  •  Discuss if your car can be clamped on your driveway.
  •  Tell you how to stop a bailiff from clamping your car.

Our team knows how hard it is to deal with bailiffs, as some of us have been in your shoes before. We understand your worries and are here to help.

Let’s get started on how you can handle the situation and what your next steps should be.

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.

Can a Bailiff Clamp My Car?

Yes, a bailiff can clamp your car. Cars are usually one of the most popular assets that bailiffs will try to take control of.

This is because cars are often the most valuable item owned, and they can be easy to sell. Furthermore, a car is often easy to access for the enforcement agents as it is outside the house.

Can My Car Be Clamped on My Driveway?

Bailiffs can only clamp your car if it’s parked on your property, at your business premises or if it’s on a public road. They can clamp your car even if you don’t let them into your home. This is because bailiffs have the authority to take goods from outside your home without you giving them access.

What Cars Can’t Bailiffs Clamp?

There are some cars that bailiffs can’t clamp.

This includes cars that are on your property but don’t belong to you. A friend’s car or a car on hire purchase, for example, can’t be taken by the bailiffs and can’t be clamped after ownership is proved.

Bailiffs also shouldn’t clamp cars that are essential for your medical or mobility needs as these are exempt goods.

For specific advice, speak to a debt charity. I have linked a few charities that offer free advisory services towards the bottom of the page.

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

How Long Will My Car Be Clamped For?

Bailiffs cannot remove a car until it’s been clamped for a minimum of 2 hours. You must act quickly if you want to stop bailiffs from taking your car. You can stop the bailiffs from taking your car with one of the following actions.

Pay The Debt in Full

Clearing the debt in full, including fees and court costs. You can do this by using the contact information included in any documentation you receive from the bailiff. After your car is clamped, you’ll receive a warning of immobilisation. This document will detail when your car was clamped and provide a contact number for you to call.

Agree to a Controlled Goods Agreement

If you can’t afford to pay the debt in full you can make an offer of a payment arrangement and sign a controlled goods agreement. Work out how much you can afford to pay and make your offer. The bailiffs don’t have to accept your repayment offer. However, if you can show your income and outgoings and how you came up with the figure you may have a chance of your offer being accepted. Use the free budget tool I have made available for download to work out what you can afford.

The bailiffs can create a controlled goods agreement that means you can keep your belongings listed in the agreement providing you pay the repayment plan. If you fail to keep up with the payments the goods can be seized and sold. It’s important to only agree to a repayment plan that you can afford.

Can Bailiffs Clamp Cars on Private Property?

Bailiffs can’t take your car if you park it on private property that doesn’t belong to you unless they have a court order allowing them to do so. You can ask a family member or friend if you can park your car on their driveway. Ideally, lock your car in a secure garage as this will help to stop the bailiffs from finding it in the first place.

Can a Bailiff Clamp My Car on a Public Road?

You can move your car from outside your property, however, whenever you park your car on a public road it is at risk of being clamped. Bailiffs use a camera to detect registration numbers on vehicles as they drive around. This means parking your car a few streets away doesn’t guarantee it’s safe from the clamp.

Can Bailiffs Clamp My Car if it’s on Finance?

Bailiffs can’t take your vehicle if you are still paying for it through a hire purchase agreement. The car doesn’t become officially yours until you make the last payment on the agreement. Therefore, technically the car is still owned by a third party, the HP company. However, the law is not clear on this, and bailiffs will sometimes try to clamp it and take it away if you don’t pay.

Prove your car is a hire purchase by using the HPI check website. Use this website to prove that you are still making payments. You can also show your hire purchase agreement.

» TAKE ACTION NOW: Fill out the short debt form

Can Bailiffs Take a Car That Isn’t Mine?

Bailiffs cannot take a car that doesn’t belong to you.

Be ready to prove that the car or vehicle isn’t yours. If a bailiff takes a car that isn’t yours the owner will have to make a complaint to the bailiff company. If the bailiff refuses to return the car the owner should contact the creditor and inform them of the situation.

You might be able to prevent the bailiffs from taking the car if you can demonstrate your non-ownership within the 2 hour window.

Complain if Bailiffs Wrongfully Clamp Your Car

You have the right to complain if you believe bailiffs have clamped your car without good reason. Complain directly to the creditor who instructed the bailiffs to recover the debt. You can send a copy of the complaint to the bailiff company too. Explain why you believe the bailiffs have be oken the rules and show evidence to support your claim. Contact a debt advisor if the bailiffs refuse to remove the clamp.

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Can You Legally Remove a Car Clamp?

You can’t legally remove a car clamp if it’s clamped by the bailiffs. The only way to get it removed is to arrange repayment of the debt you owe. Once you sign a controlled goods agreement or pay the debt in full the bailiffs will remove the clamp. Remember, you only have a short time frame to make this arrangement. Act quickly to avoid your car being towed.

How Do I Stop My Bailiff from Clamping My Car?

Making an offer of payment before the bailiff visits can stop bailiffs from putting a clamp on your car. If you’re unable to make an offer of repayment you can try to hide your vehicle by parking it on private property or in a locked garage. Read the suggested articles below for more information on what to do if you’re expecting bailiffs.

Where Can I Get Professional Advice?

If you are dealing with bailiffs or worried about them clamping your car, I recommend speaking to a debt charity.

There are several charities and organisations in the UK that offer free debt counselling services and free financial advice. Their advisors will be able to walk you through your options and find the best solution for you.

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.