Sheriff officers work on behalf of companies, government departments and individual creditors to enforce court orders relating to debt. This may be unsecured debt such as Council Tax arrears or tax payments. Also known as bailiffs, they operate on an employed and self-employed basis.
The powers of sheriff officers are limited in so much as they can only enforce an existing order from the court. Creditors are entitled to instruct sheriff officers to take action only when they have made several attempts to collect their debt.
One of the main concerns that debtors have is that bailiffs will come into their home to seize possessions indiscriminately, and that force will be used to gain entry.
Forced entry is allowed in certain cases during enforcement of debt procedures, but it is quite rare, and is only allowed on possession of a specific authority from the court.
It is worth bearing in mind that you may face a ‘breach of the peace’ charge if you try to prevent bailiffs entering your home when they have a legitimate court order.
If the sheriff officer has an attachment order, they are entitled to take any goods from outside your home unless they are exempt. The majority of your possessions will be exempt from seizure, as it is recognised by the courts that you will need them.
If non-exempt items are stored in a garage, for example, and the bailiff gains entry, these goods will probably be seized and subsequently sold. Your car may be at risk, as well as any other types of vehicle stored outside, such as a motorbike or a bicycle.
If they have an ‘exceptional attachment order,’ they can enter your home and seize non-exempt possessions from inside your house. If you are not there, someone else must be present who is over the age of 16 and understands what is happening.
Again, you will find that many of the goods inside your home are exempt. In order for the exceptional attachment order to be valid, you must have received a Debt Advice and Information Package from your creditor, who must also have a ‘charge for payment’ for the debt(s) in question. A charge for payment is a formal demand.
Sheriff officers are not allowed to carry out the exceptional attachment order apart from between the hours of 8am and 8pm, and not at all on a Sunday or a Bank Holiday. They don’t normally notify you when they will be calling unless they are in possession of an exceptional attachment order.
Scotland Debt Solutions can negotiate with your creditors, and offer professional debt advice from offices throughout Scotland.
The latest figures on the use of food banks in Scotland show a disproportionately high need by Scottish residents in terms of population numbers, when compared with any other area of the UK.
If you are currently working on reducing the amount of debt you have, improving your credit score may not be at the top of your agenda.
Our Scottish based team can help advise you on your debt problems.