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Dealing with Bailiffs and Debt Collectors

Bailiffs and debt collectors are a sub-species of Neanderthal who are selected for their ability to dribble out of both corners of their mouths and follow any given orders without first filtering these orders through their tiny minds.

In other words they are 'useful idiots' in the employ of the PCN bandits.

Their first contact with you should be by post, so you just respond using the BoEVAT Notices the same as you did to the original PCN bandits. We have found that this keeps the wolves from our door.

If they do turn up at your door demanding money with menaces, you need to be prepared. We can't word it any better than our dear friend Veronica Chapman, so we'll use her words:

If you check the following link: http://info.fmotl.com/BailiffManualUnredacted.pdf

... you will gather that it offers you a PDF of an unredacted version of the 'standard' Bailiffs' Manual that they are SUPPOSED to be operating under.

(I say 'supposed' for obvious reasons)

If you check Section 10.5 (PDF Page 32/33), you will see what their "Rights of Entry" are.

I quote:

10.5 Right of entry

Before you have levied you may enter the debtors address given on the warrant in the following circumstances:

· Where you are invited in by the debtor or another responsible person (not a child).
· Where a door is already open or ajar.
· Where a door is closed but not locked (i.e. you can open the door by lifting a latch, turning a handle or gently pushing the door).
· Through an open window.
· By releasing a catch on a window which is already open.

You may also enter a building not connected to the debtors address (e.g. a shed, garage, barn or summerhouse).

Get it?

THEY ARE ***NOT*** ALLOWED TO SMASH DOWN DOORS OR DRILL LOCKS, ETC!

They are NOT allowed to Breach Anyone's Peace!

Print the (PDF Page 32/33) page out. Paste it on your front door.

LOCK ALL DOORS AND WINDOWS. DON'T INVITE THEM IN!

Show the Manual and the page to any "accompanying Policeman". 

(Thanks V!)

Avoid speaking to them at all cost. They rely on your need to explain yourself and on you tripping yourself up with your own words. The more you talk, the more you risk dropping yourself in the fertiliser.

NEVER SAY THAT YOU REFUSE TO PAY!

This gives them the controversy they need in order to get you into court.

Tell them that you have made an offer to pay and that you are happy to pay just as soon as they fulfil their obligations under the Bills of Exchange Act 1882.

Of course they can't and won't.

Checkmate!