For a richer life

Knock knock – what to do if the bailiff’s at your door

Knock knock – what to do if the bailiff’s at your door christoph/Flickr

Having a bailiff knock on the door is the stuff of nightmares. The thought of having your possessions taken away is enough to run anyone’s blood cold. Three years ago, the government attempted to strengthen bailiffs’ powers by allowing access to property without the owners’ permission. The proposals were dropped, but resisting the bailiff remains a complicated and stressful issue and it’s important to know your rights.

Who calls in the bailiffs?

Distressed creditors, Her Majesty’s Revenue and Customs (HMRC) and magistrates pursuing court fines can use private debt collectors or public bailiffs to recover the money they are owed. Debt collectors are private firms; bailiffs are Crown officials. Therefore, debt collectors do not enjoy the same powers as bailiffs: they cannot enter a debtor’s house and they cannot seize property; bailiffs can.

You may get the knock on the door if you consistently refuse to pay council tax, business rates, personal debts, parking charge notices (PCNs), congestion charges, child support, the Inland Revenue, VAT or magistrates’ court fines. Creditors must obtain a ‘warrant of execution’ from a County Court in order to commence sequestering property.

What a bailiff can and can’t do

  • A bailiff cannot force their way into your property. That includes pushing their way past you when you open the door to them, or leaving their foot in the door to prevent you closing it. Such action is technically illegal.
  • They are not allowed to use violence.
  • A bailiff can gain access to your property legitimately by using an open window or an unlocked door. Providing they have a magistrate’s warrant, bailiffs recovering money owed to HMRC are allowed to break into the debtor’s property.
  • Creditors can punish mortgage defaulters by obtaining an eviction order from a County Court. Then, bailiffs are entitled to break into the defaulter’s house.
  • Bailiffs recovering unpaid magistrates’ court fines have the power to force entry without a warrant in all circumstances.
  • A bailiff cannot confiscate essentials – like clothes, most furniture and the ‘tools of the trade’, such as a computer used for work.
  • Obviously, they cannot take anything that is rented or hired – that would defeat the object.
  • They may take non-essentials, such as televisions, personal computers, cars and garden equipment.

What you can do

  • You do not have to let the bailiffs in.
  • It is better to negotiate with your creditors and seek re-ordering payments than give up your property.
  • If there is any doubt you owe money, the Citizen’s Advice Bureau warn against handing property over to bailiffs: complying with bailiffs’ demands is an admission of guilt and will count against any debt dispute lodged later.
  • Obtaining leverage over bailiffs is difficult because they are self-regulated, though there are plans to create an independent watchdog soon.
  • Bailiffs and debt collectors are bound by the Office of Fair Trading’s debt collection guidelines, which forbid harassment and threatening behaviour. However those guidelines are open to loose interpretation. The Citizens Advice Bureau claim that of 500 cases involving bailiffs, nearly a quarter had abused their powers, some even threatened debtors with imprisonment.
  • If a bailiff is overbearing or exceeds the terms of their remit, contact the Office of Fair Trading.
  • If you are physically threatened by a bailiff, report the incident to the police.

Help getting out of debt

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For more advice on how to resist bailiffs- check out Citizens Advice at www.adviceguide.org.uk and the Office of Fair Trading.

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  • Dr paul

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  • legent

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  • JOES CANDRA

    I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM that is his email address bye…..

  • JOES CANDRA

    I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM that is his email address bye…

  • JOES CANDRA

    I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM that is his email address bye.

  • JOES CANDRA

    I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM that is his email address bye

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  • olivia mike

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  • paul

    I just want the whole world to know about this spell caster I met two
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  • michelle

    I am KESHYI MENIYE from UK. I never believed in love spells or magic until i met this spell caster once when i went to Africa in may this year on a business summit. I meant a man who’s name is Dr. OBUDO (dr.obudospelltemple@gmail.com) he is really powerful and could help cast spells to bring back one’s gone, lost, misbehaving lover and magic money spell or spell for a good job or luck spell .I’m now happy & a living testimony cos the man i had wanted to marry left me 3 weeks before our wedding and my life was upside down cos our relationship has been on for 4years. I really loved him, but his family was against us and he had no good paying job. So when i met this spell caster, i told Dr .OBUDO what happened and explained the situation of things to him. At first i was undecided, skeptical and doubtful, but i just gave it a try. And in 8 days when i returned to UK, my boyfriend (now husband) called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married. I didn’t believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do. Well we are happily married now and we are expecting our little kid, and my husband also got the new job and our lives became much better. His email is I am KESHYI MENIYE from UK. I never believed in love spells or magic until i met this spell caster once when i went to Africa in may this year on a business summit. I meant a man who’s name is Dr. OBUDO (dr.obudospelltemple@gmail.com) he is really powerful and could help cast spells to bring back one’s gone, lost, misbehaving lover and magic money spell or spell for a good job or luck spell .I’m now happy & a living testimony cos the man i had wanted to marry left me 3 weeks before our wedding and my life was upside down cos our relationship has been on for 4years. I really loved him, but his family was against us and he had no good paying job. So when i met this spell caster, i told Dr .OBUDO what happened and explained the situation of things to him. At first i was undecided, skeptical and doubtful, but i just gave it a try. And in 8 days when i returned to UK, my boyfriend (now husband) called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married. I didn’t believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do. Well we are happily married now and we are expecting our little kid, and my husband also got the new job and our lives became much better. His email is dr.obudospelltemple@gmail.com

  • michelle

    Good day my name is Moses am from USA, i don’t just know how to say this, am short of words i never new that there are spell casters who can truly bring back lost love,but Dr OBUDO has showed me that there are real spell casters,he brought back my love after i have been scammed by some thief’s who clams to be spell casters, i was in love with a girl she loved me and i loved her too,suddenly she started behaving negatively towards me,one morning she just woke up and told me she is tired of the relationship, i was so surprised because i never did anything wrong to her since we have been in relationship for good 4years i do respect her so much just because of the love i have for her,so i decided to plead with her to forgive me if i have wronged her unknowingly, but she insisted to quite,that was how we broke up since 2years ago, i could not do without her because i love her so much, she left me and she no longer pick my calls,then i have been looking for how to get her back to my life, i have been contacting some thief’s only who clams to be spell casters they scammed me of my money, then i decided not to contact any spell caster again,until a friend of mine introduced me to Dr OBUDO he told me that Dr OBUDO helped his sister in getting back her love few weeks ago then i decided to give a try for the last time due to the evidence i saw, then i contacted him and told him everything and how i have been scammed the only thing he told me was that am lucky for contacting him that my love will come back to me within 24 hours,then i told him that is not possible then he told me to watch and see,that was how i decided to wait and see what will happened in the next 24hours,immediately the 24hours got complete surprisingly i got a call from her i was shocked she was crying on the phone pleading to me that i should forgive her,at first i taught it was a dream,but i now realized that this is reality so i have to forgive her because that is what i have been looking for,within the next 5hours she came to my house still pleading for forgive then i told her i have forgiven her and now we are living happily than ever before, i thank you Dr OBUDO, if you need his help you can contact him through his private mail:dr.obudospelltemple@gmail.com

  • michelle

    I never beleive on love spells until i met a friend of my who told me everything about DR.OBUDO who brought her ex-boyfriend back, even when she was telling me i did beleive her because i thought that she also wanted the same fake spell casters to take away my money. Although i gave her chance to explain everything she has to tell me about DR.OBUDO , i said to her that there are many scammers who want to take our money and i will never fall victim on them, even though my fiancee who suppose to marry to me in a few months from now left me i will wait patiently for another guy though i loved him so much. she told me that this DR is not a fake one that he is real and he has helped many people to get thier loved ones back, then i ask her so how does this spell work and what is the requirements that i have to do before he can cast the love spells on me? she told me that i should emailed him on dr.obudospelltemple@gmail.com and i should tell him what i want. i really emailed him and tell him that i need my ex guy back and he told me that my friend directed her to me right, and also why am i doubting his work? he said that his work is 100% sure and guarantee that no one has ever come to his temple and also remain the same. i became flabbergasted on his words he say to me and a thought came to my mind that how does this dr know all the things we discussed earlier. he said before he can commence on my situation, that i have to have faith and trust on him and leave other spell caster and wait patiently for his own that if i can say do all this i will got my lover back in an hour time. i said okay i beleive and promise to work with you alone, then he gave me a form to fill which i did and send it to him with my pictures also and also the pictures of my ex-lover. he replied me in 30 minutes later and told me that his gods need some items to cast the spell on me and my problem is very easy if i can provide these items. then when i ask him that how can i get these items and how can i send it to him for the casting of the love spell, he told me that i should not woory about that, that there is a items seller here in his own country that can get the items for me. then i ask him how much will it cost me to buy all these items? he said $150 (dollars) only, which i send to him with full confidence, after an hour later he called me and told me that my problem have been solved that i should wait for an hour time that my love will ask after me which i did according to his words, when it was about 6pm my ex called me that if am at home that he want to see me urgently. i said to him hoped all is well he said yes then i told him that he can come, my ex guy came back to me and he was asking for forgiveness that he did know what came upon him. right now am so happy because i have regain my lover back and we are planning for our wedding that is coming up soon, i called the dr and thank him very much and ask him what will i do for him as a appreciation, he told me i should forget and keep my money that he is not after people money but to help people that also need help out there all he need me to do is to give more testimonies about him so that people out there who need help should email him also thats why am here today to give my testimony. may thy good lord continue to bless him and give him more long life prosperity and wisdom. this is the dr email address dr.obudospelltemple@gmail.com AND thanks.
    REGARDS!!!

  • Barrister Good Luck Akwe

    My name is Monica Roland. I live in Florida USA and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to her she gave happiness to me and my family, i was in need of a loan of $100,000 USD to start my life all over as i am a single mother with 3 kids I met the GOD fearing Muslim Name Zhang loan lender that help me with a loan of $100,000,she is a GOD fearing Man, if you are in need of loan and you will pay back the loan contact her tell her that is Monica Roland that refer you to her. contact Mr Zhang via email zhangloancompany@gmail.com

  • arigbabuwo spelltemple

    Dr Aribgabuwo is a great doctor that has affected so many life positively,he possesses great spiritual power and can handle any kind of problem affecting your life today……
    He specialize in the following… for financial problems,
    marital issues,
    job opportunity,
    any kind of sickness or diseases e.g mental disorder,cancer,hiv e.t.c,
    if you want your ex back….and many more..

    Visit and solve your problem today at arigbabuwospelltemple@gmail.com and i believe you too will have a testimony to share like me.
    Goodluck.

  • Melissa Pints

    My name is Melissa Pints from USA My boyfriend and I were happy as far as I could tell and I never thought that we would break up. When his cousin died in a tragic car accident he went back to Philippine for a week to be with his family. I could not go because I was in the middle of entertaining out of town clients for work. He did not seem to be upset that I could not go so I let him be. The next thing that I know, he reconnected with an old friend from high school that he had a crush on years ago and they started to have an affair! I had no clue what was going on until a month after he came back from Philippine.He proceeded to see both her and I until I caught him testing her one night. I confronted him and he told me the truth about what happened. We broke up and went our separate ways. Neither of us fought for our relationship. I was angry and decided not to be upset about it and just keep it moving. Then after about a month of not speaking to him I became sad. I wanted him to tell me that he wanted to be with me and not her. I contacted Dr. ATOSI for a love spell and he totally helped me! he was able to get him to miss me to where he wanted to get back together again. He had a lot of regrets and felt bad for not fighting to keep me and for cheating in general. He values our relationship so much more now and we are together now! You can also get your lover back with the help of Dr. ATOSI contact him through his email: atosilovespelltemple@gmail.com

  • Sarah Kelly

    I never use to believe in spell casting until i met
    Great Baba a powerful spell caster who helped me to be a happy person
    again. My name is Sarah Kelly and i reside in USA. After 3 years of
    Broken marriage, my husband left me with three kids. I felt like my life
    was about to end and i almost committed suicide, i was emotionally down
    for a very long time. Thanks to a Great spell caster called Great Baba
    which i met online on one faithful day when I was browsing through the
    internet, i came across a lot of testimonies about this particular Great
    spell caster how he has helped so many people. he has helped people to
    bring back their Ex lover, some testified that he restores womb, cure
    cancer and other sickness, and so on. I also came across a testimony, it
    was about a woman called Amanda, she testified about how his spell made
    her to be pregnant after so many years of bareness and at the end of
    her testimony she dropped Great Baba’s email address. After reading all
    these, i decided to give it a try and i contacted him and explained my
    problem to him and he assured me that in less than 48 hours, my husband
    will call me and beg for forgiveness but i thought it will not work.
    When he had finished casting the spell, the next day my husband called
    me and he was begging for forgiveness just as Great Baba said. This is
    not brain washing and after the spell has been cast, i realized that my
    husband love me like never before and the spell caster opened him up to
    know how much i love him and how much love we need to share. We are even
    happier now than before. Great Baba is really a gifted man and i will
    not stop publishing him because he is a wonderful man. If you have a
    problem and you are looking for a real and a genuine spell caster to
    solve all your problems contact Great Baba now on Highersolutiontemple@yahoo.com he will help you solve your problems. Once again thank you Great Baba for your good deeds.

  • Hansford ann

    My name is Handford Ann,i base in canada.i want to share my wonderful testimony on how i got back my ex-lover of my life back, who i sworn to be with until when he left me to another woman for no reason and i try to make things work for both of us yet things where getting worse and i love him so much and there is nothing i could do to get my ex back until i met a testimony share by Maria from USA on the internet talking about a powerful spell caster who brought his ex lover back within 48hours and i decide to give it a try and to my greatest surprise he also did it for me just as he did for Maria and i have a lot of people complaining of fake spell caster but this one i met was a real spell caster who help me to solve my problem i have no solution to,i introduce many of my best friends that have a similar problems,and their problem were solve with the great help of dr.Trust.they get back their ex within 48 hours.i am so happy that my ex is back to me again,and the most surprise,is that our love is very strong,every day is happiness and joy. and there is nothing like been with the man you love.i am so happy my love is back to me with the help of Dr.Trust.if you have similar problem i will advice you to contact him ,he is there to help you and put a smile on your face ask he did to me and others.contact email(ultimatespellcast@gmail.com or ultimatespellcast@yahoo.com call +2348156885231) what will i have done if not the great help of dr.trust. Thanks Handford Ann from canada

  • Hansford ann

    My name is Handford Ann,i base in canada.i want to share my wonderful testimony on how i got back my ex-lover of my life back, who i sworn to be with until when he left me to another woman for no reason and i try to make things work for both of us yet things where getting worse and i love him so much and there is nothing i could do to get my ex back until i met a testimony share by Maria from USA on the internet talking about a powerful spell caster who brought his ex lover back within 48hours and i decide to give it a try and to my greatest surprise he also did it for me just as he did for Maria and i have a lot of people complaining of fake spell caster but this one i met was a real spell caster who help me to solve my problem i have no solution to,i introduce many of my best friends that have a similar problems,and their problem were solve with the great help of dr.Trust.they get back their ex within 48 hours.i am so happy that my ex is back to me again,and the most surprise,is that our love is very strong,every day is happiness and joy. and there is nothing like been with the man you love.i am so happy my love is back to me with the help of Dr.Trust.if you have similar problem i will advice you to contact him ,he is there to help you and put a smile on your face ask he did to me and others.contact email(ultimatespellcast@gmail.com or ultimatespellcast@yahoo.com call +2348156885231) what will i have done if not the great help of dr.trust. Thanks Handford Ann from canada..

  • Hansford ann

    My name is Handford Ann,i base in canada.i want to share my wonderful testimony on how i got back my ex-lover of my life back, who i sworn to be with until when he left me to another woman for no reason and i try to make things work for both of us yet things where getting worse and i love him so much and there is nothing i could do to get my ex back until i met a testimony share by Maria from USA on the internet talking about a powerful spell caster who brought his ex lover back within 48hours and i decide to give it a try and to my greatest surprise he also did it for me just as he did for Maria and i have a lot of people complaining of fake spell caster but this one i met was a real spell caster who help me to solve my problem i have no solution to,i introduce many of my best friends that have a similar problems,and their problem were solve with the great help of dr.Trust.they get back their ex within 48 hours.i am so happy that my ex is back to me again,and the most surprise,is that our love is very strong,every day is happiness and joy. and there is nothing like been with the man you love.i am so happy my love is back to me with the help of Dr.Trust.if you have similar problem i will advice you to contact him ,he is there to help you and put a smile on your face ask he did to me and others.contact email(ultimatespellcast@gmail.com or ultimatespellcast@yahoo.com call +2348156885231) what will i have done if not the great help of dr.trust. Thanks Handford Ann from canada.

  • Sarah Kelly

    I never use to believe in spell casting until i met
    Great Baba a powerful spell caster who helped me to be a happy person
    again. My name is Sarah Kelly and i reside in USA. After 3 years of
    Broken marriage, my husband left me with three kids. I felt like my life
    was about to end and i almost committed suicide, i was emotionally down
    for a very long time. Thanks to a Great spell caster called Great Baba
    which i met online on one faithful day when I was browsing through the
    internet, i came across a lot of testimonies about this particular Great
    spell caster how he has helped so many people. he has helped people to
    bring back their Ex lover, some testified that he restores womb, cure
    cancer and other sickness, and so on. I also came across a testimony, it
    was about a woman called Amanda, she testified about how his spell made
    her to be pregnant after so many years of bareness and at the end of
    her testimony she dropped Great Baba’s email address. After reading all
    these, i decided to give it a try and i contacted him and explained my
    problem to him and he assured me that in less than 48 hours, my husband
    will call me and beg for forgiveness but i thought it will not work.
    When he had finished casting the spell, the next day my husband called
    me and he was begging for forgiveness just as Great Baba said. This is
    not brain washing and after the spell has been cast, i realized that my
    husband love me like never before and the spell caster opened him up to
    know how much i love him and how much love we need to share. We are even
    happier now than before. Great Baba is really a gifted man and i will
    not stop publishing him because he is a wonderful man. If you have a
    problem and you are looking for a real and a genuine spell caster to
    solve all your problems contact Great Baba now on Highersolutiontemple@yahoo.com he will help you solve your problems. Once again thank you Great Baba for your good deeds.

  • Sarah Kelly

    I never use to believe in spell casting until i met
    Great Baba a powerful spell caster who helped me to be a happy person
    again. My name is Sarah Kelly and i reside in USA. After 3 years of
    Broken marriage, my husband left me with three kids. I felt like my life
    was about to end and i almost committed suicide, i was emotionally down
    for a very long time. Thanks to a Great spell caster called Great Baba
    which i met online on one faithful day when I was browsing through the
    internet, i came across a lot of testimonies about this particular Great
    spell caster how he has helped so many people. he has helped people to
    bring back their Ex lover, some testified that he restores womb, cure
    cancer and other sickness, and so on. I also came across a testimony, it
    was about a woman called Amanda, she testified about how his spell made
    her to be pregnant after so many years of bareness and at the end of
    her testimony she dropped Great Baba’s email address. After reading all
    these, i decided to give it a try and i contacted him and explained my
    problem to him and he assured me that in less than 48 hours, my husband
    will call me and beg for forgiveness but i thought it will not work.
    When he had finished casting the spell, the next day my husband called
    me and he was begging for forgiveness just as Great Baba said. This is
    not brain washing and after the spell has been cast, i realized that my
    husband love me like never before and the spell caster opened him up to
    know how much i love him and how much love we need to share. We are even
    happier now than before. Great Baba is really a gifted man and i will
    not stop publishing him because he is a wonderful man. If you have a
    problem and you are looking for a real and a genuine spell caster to
    solve all your problems contact Great Baba now on Highersolutiontemple@yahoo.com he will help you solve your problems. Once again thank you Great Baba for your good deeds.

  • kate lam

    Hello, My name is kate lam, I live in South Carolina, USA, I recently had a breakup with my husband about 2 months back. He said we are done that we should move on that he has someone else now. I could not even bear the pain and everything and

    just so unfortunate, I discovered I was pregnant when me and my ex we going through some big fights. I couldn’t tell him I was pregnant because I knew he would blame it on me. I suffered with the secret on

    my own and I could not go through an abortion on my own. The funny thing is I discovered that he had two other girlfriends I was not aware of. I know if I could turn back the hands of time I would do it

    again because i could not suffer everything alone, I almost drop out of univesity because of a guy. On a faithful day after i lost of thought, an old friend told me about a spellcaster with this email

    dremuahelphome@outlook.com who could help me restore my love and have my baby in good terms. I sacrifice everything to make sure the spell was done. and the spell was now the savior. He spell brought

    back my lover after 2 days. My joy, love and happiness is restored because of this spell professor, my baby comes soon.

    you can also contact him if you have any of this problems below.

    (1) Spell for protection from danger

    (2) Spell for magic

    (3) Spell for same sex love

    (4) Spell for healing

    (5) Spell for invisibility

    (6) Spell for riches and fame

    (7) Spell to get a good job

    (8) Spell for strong love and relationship

    (9) Spell to bring your ex back

    (10) Spell for promotion at work

    This man has great powers and is incredibly generous.You can contact his on dremuahelphome@outlook.com or dremuahelphome@gmail.com you can call him on his mobile number +2348143101585 He can help you without stress try him today….

  • mark bill

    IS A TESTIMONY, I NEVER BELIEVED IN LOVE SPELLS UNTIL I MET THIS SPELL CASTER CALLED DR UNITY. HE IS REALLY POWERFUL AND COULD HELP CAST SPELLS TO BRING BACK ONE’S GONE,LOST,MISBEHAVING LOVER AND MAGIC MONEY SPELL OR SPELL FOR A GOOD JOB.I’M NOW HAPPY & A LIVING TESTIMONY COS THE WOMAN I HAD WANTED TO MARRY LEFT ME 3 WEEKS BEFORE OUR WEDDING AND MY LIFE WAS UPSIDE DOWN COS OUR RELATIONSHIP HAS BEEN ON FOR 3YEARS… I REALLY LOVED HER, BUT HER MOTHER WAS AGAINST US AND I HAD NO GOOD PAYING JOB. SO WHEN I MET THIS SPELL CASTER, I TOLD HIM WHAT HAPPENED AND EXPLAINED THE SITUATION OF THINGS TO HIM..AT FIRST I WAS UNDECIDED,SKEPTICAL AND DOUBTFUL, BUT I JUST GAVE IT A TRY. AND IN 48HOURS WHEN I WAS IN MY HOUSE IN USA,SHE CALLED ME BY HERSELF AND CAME TO ME, APOLOGIZING THAT EVERYTHING HAD BEEN SETTLED WITH HER MOM AND FAMILY AND SHE GOT A NEW JOB INTERVIEW SO WE SHOULD GET MARRIED..I DIDN’T BELIEVE IT COS THE SPELL CASTER ONLY ASKED FOR MY NAME AND MY GIRLFRIENDS NAME AND ALL I WANTED HIM TO DO… WELL WE ARE HAPPILY MARRIED NOW AND WE ARE EXPECTING OUR LITTLE KID,AND MY WIFE ALSO GOT THE NEW JOB AND OUR LIVES BECAME MUCH BETTER. IN CASE ANYONE NEEDS THE SPELL CASTER FOR SOME HELP, HIS EMAIL ADDRESS IS;unitylovetemple@gmail.com THANKS DR UNITY FOR YOUR GOOD WORK. ONCE AGAIN HIS EMAIL ADDRESS IS unitylovetemple@gmail.com

  • Frank morrison

    my names are Jenny Brenda from UK. i was so diver stated i was left with nothing no money to pay for kids up keep. no job my life was tearing apart. till when i head that he was trying to get married to another lady in Italy,Rome..i quickly rush and email jaja12demomspell@gmail.com for help and i was skeptical because i don’t really believe he can bring him back to me because its too long we have contacted each other,we only comment on each other status on Face-book and when ever he come online he has never talk anything about coming back to me,now i really believe that there is Magic and jaja12demonspell@gmail.com is a really God sent and has Magic because all these things is still like a dream to me,jaja12demonspell@gmail.com told me in the first mail that everything will be fine,i called him and he assure me,i have so many doubt but now am happy,i can’t believe it, my husband broke up with his Italian lady and he is now coming back to me and he can’t even explain how everything goes, all he said to me was that he want me back,i am really happy and i cried so much because it was just like i am born a new and am really happy and my entire family are happy for me but they never know whats the secret behind this…i want you all divorce lady or single mother to please contact this man he will act like your father and he will solve your problem for once just contact him for help and everything will be fine i really guarantee you..i have tell all my friends who are in unhappy relationship and they have seen solution in few days ago…if you want to contact him here is his ID…. jaja12demonspell@gmail.com.com you can reach him where you can get to her by her id again jaja12demonspell@gmail.com and i assure you it gonna work fine with you and you will be happy
    i am out of .words am just happy and i will be happy forever because i can never have any problem having a spiritual father like dr jaja.

  • Elijah Roland

    Hello

    Apply for a quick and convenient loan to pay off bills and to start a new financing your projects at a cheapest interest rate of 3%. Do contact us today via: elijahloanfirm@outlook.com with loan amount needed as our minimum loan offer is 1,000.00 to any choice of loan amount.I am certified ,registered and legit lender.You can contact me today if you are interested in getting this loan, contact me for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. I need your urgent response if you are interested…

    LOAN APPLICATION FORM

    (1)Full Names:
    (2)Amount Needed as Loan:
    (3)Phone Number:
    (4)Duration:
    (5)Country:
    (6)State/Province:
    (7)Monthly Income:
    (8)Marital Status:
    (9)Age/Gender:
    (10)Loan Purpose:

    NOTE:All Responses should be forwarded to: elijahloanfirm@outlook.com for quick processing.
    Thank You,

    Mr elijah roland
    C.E.O/elijahloanfirm

  • Rodger Williams

    Good day everyone I am Mr Rodger williams by name, i am a citizen of texas USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $700 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact ( eladioloancompany@yahoo.com ) they will never disappoint you, your life shall experience a total transformation.

  • elisabeth

    MY NAME IS ELISABETH FROM UNITED KINGDOM.

    i want to use this golden opportunity to announce to the entire world, how happy and grateful i am today, shearing this testimony to the whole world. because of the full commitment with my ex after the casting of a spell by DR RAMAN that bring back my ex husband. it all happen after given birth to my first child, i found out that there was problem in my family because of the unusual behavior of my husband which lead to our break up, i tried all i could to bring him back, but all my effort was just a wast of time, the more i try the more things get worst, even when he hard the cry of my baby through phone call, all he could tell me was, *go to hail with the baby*, things went worst than i could Eva imagine in my life, all i was thinking about is how my child will feel when he found out that he grow up without a father, i was so worn out and confuse about life. the most painful thing was the fat that i love my husband so much to the extent that i could not concentrate in anything am doing. after five years of break up, i meet an old time friend, she was my course mate in the university, way back than, she ask me about my husband because she also attended my wedding ceremony, i was crying, then she notice that things went wrong, i told her every thing, she took me to this great DR called RAMAN,when we get there he told me not to worry that if i will let him handle the work that my husband will come back in 48hours, i thought it was a joke because have try three other spell caster nothing came out of it, so my friend told me to let him handle it, then i give him a chance, surprisingly the next 48hours i hard a knock on my door, then i opened, guess who i saw? i say the love of my live, he came with a powerful CAR, and some amount of money just to apologize to me, then i accepted. today we have three children and nothing will break us up again. if you need this DR RAMAN email him on ramansolutiontemple@gmail.com he is the best spell caster. thank you DR RAMAN, once again his email is ramansolutiontemple@gmail.com

  • mark bill

    IS A TESTIMONY, I NEVER BELIEVED IN LOVE SPELLS UNTIL I MET THIS SPELL CASTER CALLED DR UNITY. HE IS REALLY POWERFUL AND COULD HELP CAST SPELLS TO BRING BACK ONE’S GONE,LOST,MISBEHAVING LOVER AND MAGIC MONEY SPELL OR SPELL FOR A GOOD JOB.I’M NOW HAPPY & A LIVING TESTIMONY COS THE WOMAN I HAD WANTED TO MARRY LEFT ME 3 WEEKS BEFORE OUR WEDDING AND MY LIFE WAS UPSIDE DOWN COS OUR RELATIONSHIP HAS BEEN ON FOR 3YEARS… I REALLY LOVED HER, BUT HER MOTHER WAS AGAINST US AND I HAD NO GOOD PAYING JOB. SO WHEN I MET THIS SPELL CASTER, I TOLD HIM WHAT HAPPENED AND EXPLAINED THE SITUATION OF THINGS TO HIM..AT FIRST I WAS UNDECIDED,SKEPTICAL AND DOUBTFUL, BUT I JUST GAVE IT A TRY. AND IN 48HOURS WHEN I WAS IN MY HOUSE IN USA,SHE CALLED ME BY HERSELF AND CAME TO ME, APOLOGIZING THAT EVERYTHING HAD BEEN SETTLED WITH HER MOM AND FAMILY AND SHE GOT A NEW JOB INTERVIEW SO WE SHOULD GET MARRIED..I DIDN’T BELIEVE IT COS THE SPELL CASTER ONLY ASKED FOR MY NAME AND MY GIRLFRIENDS NAME AND ALL I WANTED HIM TO DO… WELL WE ARE HAPPILY MARRIED NOW AND WE ARE EXPECTING OUR LITTLE KID,AND MY WIFE ALSO GOT THE NEW JOB AND OUR LIVES BECAME MUCH BETTER. IN CASE ANYONE NEEDS THE SPELL CASTER FOR SOME HELP, HIS EMAIL ADDRESS IS;unitylovetemple@gmail.com THANKS DR UNITY FOR YOUR GOOD WORK. ONCE AGAIN HIS EMAIL ADDRESS IS unitylovetemple@gmail.com

  • Rose Marylove

    Hello my name is Sandra from Canada, My life is back!!! After 8 years of marriage, my husband left me and left me with our three kids. I felt like my life was about to end, and was falling apart. I contacted you and after I explained you my problem. In just 3 days, my husband came back to us and show me and my kids much love and apologize for all the pain he have bring to the family. We solved our is sues, and we are even happier than before you are the best spell caster Dr Unoko , i really appreciate the love spell you castes for me to get the man back to my life i will keep sharing more testimonies to people about your good work Thank you once again at Dr Unoko (DR.UNOKOSPELLSHRINE100@GMAIL.COM). in case you are in any problem you can contact this man for help he is always there in his temple to help you solve your problem Contact number (+2348103508204) Call him and he will answer you and solve your problems and make you happy in life his spell casting only take 3 days for the result to get to you i have trust in him and he did it very well for my family today

    ..

  • Henry Westwood

    I was been suffering hardshiply from HIV/AIDS since 9yrs now, and i happen to have 2 kids for my husband, and now we cannot proceed to have another kids all because of my disease and now i have do all what a human like i and my husband can do just to get my disease healed, i have went to several places to seek for help not even one person could ever help, until i melt a comment on the daily news paper that was commented by Miss Marilyn about how this powerful traditional doctor help her get cured of the disease (HIV-AIDS) ” my fellow beloved” i firstly taught having a help from a spiritual traditional healer was a wrong idea, but i think of these, will i continue to stress on these disease all day when i have someone to help me save my life?” so i gather all my faiths and put in all interest to contact him through his Email address at agumaguspelltemple@gmail.com , so after i have mailed him of helping get my disease cured, i respond to me fast as possible that i should not be afraid, that he is a truthful and powerful doctor which i firstly claimed him to be. So after all set has been done, he promise me that i will be healed but on a condition that i provide him some items and obeyed all his oracle said. I did all by accepting his oracolous fact and only to see that the following week dr agumagu me on my mail box that my work is successfully done with his powers, i was first shocked and later arise to be the happiest woman on earth after i have concluded my final test on the hospital by my doctor that i am now HIV- Negative. My papers for check are with me and now i am happy and glad for his miraculous help and power. With these i must to everyone who might seek for any help, either for HIV cure or much more to contact him now at these following email now, Email: agumaguspelltemple@gmail.com

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  • Ero Lovespell

    Hi My name is ‘Bruno Rico’ just want to share my experience with the world on how i got my love back and saved my marriage… I was married for 7years with 2kids and we lived happily until things started getting ugly and we had fights and arguments almost every time… it got worse at a point that she filed for divorce… I tried my best to make her change her mind & stay with me cause i loved her with all my heart and didn’t want to loose her but everything just didn’t work out… she moved out of the house and still went ahead to file for divorce… I pleaded and tried everything but still nothing worked. The breakthrough came when someone introduced me to this wonderful, great spell caster who eventually helped me out… I have never been a fan of things like this but just decided to try reluctantly cause I was desperate and left with no choice… He did special prayers and used roots and herbs… Within 7 days she called me and was sorry for all the emotional trauma she had cost me, moved back to the house and we continue to live happily, the kids are happy too and we are expecting our third child. I have introduced him to a lot of couples with problems across the world and they have had good news… Just thought I should share my experience cause I strongly believe someone out there need’s it… You can email him via eromosalelovespell@outlook.com Don’t give up just yet, the different between ‘Ordinary’ & ‘Extra-Ordinary’ is the ‘Extra’ so make extra effort to save your marriage/relationship if it’s truly worth it

  • Guestu

    My name is Mr Henry Josh and i live in the USA California and life is worth living right now for me and my family and all this is because of one man sent by GOD to help me and my family, i once had a life filled with sorrow because my first SON needed a kidney transplant and all our savings were going towards his medications and this normally leaves us with no money to pay our bills or even put enough food on our table and our rent was due and no funds to pay these bills and life felt so unfair to me and every night my wife will cry herself to sleep every night until one day, i was browsing through yahoo answers and i saw a striking advert of a man that gives out personal loans and that the offer is opened to all and i have heard so many things about internet scams but at this point of my life, i was very desperate and ready to take any risk and at the end of the day, i applied for this loan and from one step to another, i got my loan within 12 hours through bank transfer and you know, it was all like a dream and i called Mr Daniel Jones A Man who is the GOD sent lender i found and said, i have received my loan and he smiled stating that to GOD be the glory and i was so shocked as i have never ever seen anyone with such a GOD fearing and kind heart and today, i am the happiest man on earth because by GOD’S grace, my SON kidney transplant was successful and today he is healthy, i and my family are living very comfortable and happy and if you are in my former situation or in serious and legitimate need of a loan, you can reach this GOD sent lender via fidelityloanfirm@outlook.com

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  • Emma Copley Was Hewitson

    bristow and suter have been to my property today i was at work but my son was home alone he is 16 he came out of his bedroom to find the bailiff outside his bedroom door as he had let himself in through the unlocked bk door are they allowed to do that without going through the court and having a warrent i thought only county court baliffs could do that

  • susan

    Sometimes,Life can be very displeasing especially when we loose the ones we love and cherish so much. in this kind of situation where one loses his/her soul mate there are several dangers engage in it. one may no longer be able to do the things he was doing before then success will be very scarce and happiness will be rare. that person was created to be with you for without him things may fall apart. That was my experience late last year. but thank god today i am happy with him again. all thanks goes to Dr. Okafor, i was nearly loosing hope until i saw an article on how Dr. Okafor could cast a love spell to make lovers come back. There is no harm in trying, i said to my self. i contacted him via email: okaforspiritualtemple@gmail.com words will not be enough to appreciate what he has done for me. i have promised to share the good news as long as i live.
    St

  • Irene

    I never thing there is a tear spell cast, 3 week ago my boyfriend brake up. it all sited when are Trever to UK jest to speed and holiday wit my aunt in UK i lest my phone,i was trying to contact him but it was not going tear i treed all cod.so when i Gert back for Trever i meant a lady on our matrimonial room, then i ask him who Eal she to you him tun back act me and cane led that she is a friend,but i sloe you kissing her than him sited beating me calling me all kind of name, that is not interned in me. so all the same all think to templeoflove1@yahoo.com him help me cast a spell on him and now ex is back to me again. thank you so much and your good work. you contact he on templeoflove1@yahoo.com

  • Jeff

    I’ve recently received a letter from bailiffs demanding payment of a parking fine. I have paid the fine and the price of one letter they sent. I have refused to pay for two visits they say they have made to my property as they have no proof that they visited. (I have only received one letter) They are now saying that will return with a police officer to demand payment of £100 or have me arrested. This is a for a parking ticket dont forget. Can they do this or are they just using intimidation tactics. We called the local police who said the could attend with them????

  • William

    I have work out th country for over six years now i left in quite a bit of debt to about 4 different creditors . I have now return to uk to live what should i do about them just leave them still or do i go bankrupt l also i want to set a new bank and i want to use a family address do i put them at risk of balliffs cause that will be the only know address in 6 years .

  • anon1234

    i had a bailiff knocking on my door twice left 2 letters but they are for some 1 who use to live at this house they owe like 1500 pound to british gas but the tennent has not lived in this house for a fair few months so why are they still thinking tht guy lives here i just ignored the bailiffs shud i tell them or ignore them full stop?

    • JOES CANDRA

      I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM that is his email address bye

    • Bella Tina

      My Name is Bella Tina, From Canada I wish to share my testimonies with the general public about what this man called Dr OSAUYI has just done for me , this man has just brought back my lost Ex husband to me with his great spell within 24 hours. I was married to my husband Alans Evans, we were together for a long time and we loved our self’s but when I was unable to give him a child for 2 years he left me and told me he can’t continue anymore then I was now looking for ways to get him back until a friend of mine told me about this man and gave his contact email OSAUYILOVESPELL@GMAIL.COM then you won’t believe this when I contacted this man on my problems he prepared cast a very strong spell for me and bring my lost husband back within 24hrs, and after a month I miss my monthly period and went for a test and the result showed that i was pregnant. i am happy today am a mother of a baby girl, thank you once again the great Dr OSAUYI for what you have done for me.Contact him on his private email OSAUYILOVESPELL@GMAIL.COM if you are out there passing through any of this problems or predicaments in your life. or you can call the great man on +2348100515075 thanks

    • Hansford ann

      My name is Hansford Ann,i base in canada.i want to share my wonderful testimony on how i got back my ex-lover of my life back, who i sworn to be with until when he left me to another woman for no reason and i try to make things work for both of us yet things where getting worse and i love him so much and there is nothing i could do to get my ex back until i met a testimony share by Maria from USA on the internet talking about a powerful spell caster who brought his ex lover back within 48hours and i decide to give it a try and to my greatest surprise he also did it for me just as he did for Maria and i have a lot of people complaining of fake spell caster but this one i met was a real spell caster who help me to solve my problem i have no solution to,i introduce many of my best friends that have a similar problems,and their problem were solve with the great help of dr.Trust.they get back their ex within 48 hours.i am so happy that my ex is back to me again,and the most surprise,is that our love is very strong,every day is happiness and joy. and there is nothing like been with the man you love.i am so happy my love is back to me with the help of Dr.Trust.if you have similar problem i will advice you to contact him ,he is there to help you and put a smile on your face ask he did to me and others.contact email(ultimatespellcast@gmail.com or ultimatespellcast@yahoo.com call +2348156885231) what will i have done if not the great help of dr.trust. Thanks Handford Ann from canada.

  • chris glover

    Hi my partner received a letter saying she owes the electric company money because we didn’t cancel electric when we moved out. but we were told to leave the electric in our old landlords name so is it his debt or ours. The debt recovery has given us 10 days to pay other wise legal proceedings will be taken against us but then say we have 14 days to pay a one off discounted payment what can we do?

    Thanks,

    Chris Glover.

    • http://twitter.com/SysReboot SysReboot

      you are responsible for the debt up to the day you physically handed the keys over to the property. If you can prove to the electric company that you ceased to be the tenant/owner of that property on a specific date, they can & will adjust their billing to take that into consideration, some try to persuade you otherwise.

  • lindsey

    Hi i owe 1899.00 to a loan company called provident. I havnt made payment to them in 5yrs. Due to other debts. Iv now had letters of wescott demanding payment. Im noout of work due. to ill health. Where do i stand with them as there now due to do a home visit!! Iv dealt with these before over my c/t bill and there not very nice to bargin with. What happens or where do i stand??

    • http://twitter.com/SysReboot SysReboot

      as far as i’m aware, if you have had no contact with them at all in 6years or more, then the debt becomes unenforceable. however, if you respond to any letters or speak to them on the phone, then the date is reset to that point. you should also ask them for a copy of the original CCA (consumer credit agreement), if they can’t provide a CCA, the debt is unenforceable.

  • zee

    Me and my EX partner started having problems mid 2011 and he finally moved out at the end of the same year, clearing out the flat as he left.

    We use to share a car between us…but on the day he left…i was using the car so it was not available for him to drive away in.

    We tried sorting out the bills and what was owed on rent and council tax etc…but to no avail, i couldn’t locate his whereabouts. He had changed his number, gave me a false address, and left his job.

    As i couldn’t get hold of my ex i didn’t want to drive his car without him knowing…(as he was the sort of person that would probably turn around and say i had stolen the car from him) i declared the car off the road and kept it in a friends garage from Jan – May.

    I left the country in February 2012 and returned back in the UK on the 30th April 2012. Upon my return tried to contact my ex again but could not get through to his number. I took out insurance and got it serviced & MOT’d etc & I then transferred the vehicle into my name.

    I found a letter addressed to my ex sitting with all the trash/junk mail in the communal area in mid-june, and i opened it. Only for it to be a notice of ‘intent to visit property’.

    I then called the agency and told them that my ex did not live in the property and i did not know where he was and also now the vehicle was mine….and if we can come to some agreement here. I was told that nothing can be done until the bailiff comes to the property, in which case you prove that you live in the property (i.e produce a tenancy agreement) and also prove the vehicle is now yours (produce a valid logbook).

    A few weeks later (today) there is another notice in the communal area addressed to my ex that a bailiff has visited, this is the amount owing and to contact the mobile number on the letter.

    I called the agent and explained the situation, told him i had acrimoniously split up withe the person in question and i did not know his whereabouts. i also explained that the vehicle now belongs to me and i live in the property on my own. And as advised by one of his colleagues i can show the proof you require.

    Unfortunately the agent was having none of it, he told me that there is an outstanding fine on the vehicle and it needs to be paid, he told me i was lying that the vehicle now belonged to me, he said he was looking at a dvla system and it shows clearly that the vehicle belongs to me ex.
    I again told him that i had a logbook with my name on it, and i can get hold of my landlord and he can confirm that i live at the property on my own.

    After me saying this to him, he then told me that the fine still stands until it has been paid and it is now my concern as i am in the property and i have the car….

    ANY IDEAS OF WHAT I CAN DO….NEVER DONE THIS OSRT OF THING AND IT NEEDS TO BE SORTED OUT, AS I AM A FOSTER CARER I CAN T HAVE THIS HANGING OVER ME….

    • http://Bailiffs Shottaz

      Hi Zee, Dont worry about notin! if you have registered the vehicle in your name and you have a tenancy agreement then NO BAILIFF can touch you. As long as the debt was not in joint names (Yours & his) i mean. If they ever come around then DO NOT open the door and when the bailiff leaves a note with the debtn written on it, just phone the main landline number of the bailiffs company and tell them the same. Once this is done this debt will not come back to your house unless your ex comes back to the house. I hope this is some help?

  • Louise

    Hi I have been visited by bailffs for a fine I received for a driving offence in january. There was initially a mix up with the courts which meant they sent me two fines for one offence, I rang them to ask which one I was to pay, I was told they would look into it, I admit I should of rang them a week later to confirm but when I get in from work they are already closed. I decided to await the letter, which surprisingly came 2 weeks later at the same time as a letter from swift bailffs, I rang the bailiff to explain the situation and was told I could no longer deal with the courts and would have to pay them direct in full. I explained this would be impossible, to no avail, I have had three visits from baillifs and I was at work at the time, every evening they came they wouldn’t answer there mobile number, in the end I payed 100 pounds direct to the court, to which they responded by saying I would no longer be able to pay them as I need to go to the bailiff. All though they accepted my payment. The bailiff came today while I was out, I rang the number finally they Answered stating they will not be accepting any payment other than the full amount, I have no funds available, he gold me he’s coming at 6 am with a locksmith to gain access to my goods, it appears these people only want to create dispare and to make money out of misfotune. I told the bailiff this would of been sorted by now if they would comply, but they won’t they are again increasing my bill tomorrow by 175 pounds making the total bill 895 for A fine of 450 which I have tried to pay over and over again, what can I do other than tying a rope around my neck before they come.

  • carly

    Hi I have received a 24 hour full payment letter from baliffs for my old council tax bill at a prevvious address. I contacted this comapny last week and a girl told me they had nothing on there systems for debt? But then clearly there is? What can I do as I’m willing to pay the debt just can’t pay it all in full and baliffs can be hard work?

    • http://www.jasminebirtles.com Jasmine Birtles

      Hello Carly. I was concerned about this and asked the CCCS what they thought about the situation. This is what they say: “While it’s important that they come to an agreement to pay the debt, it seems strange that the council couldn’t find the records.
      If they called the bailiff company it could be worth calling the council instead to make sure that it’s a legitimate letter. They should be able to confirm the amount outstanding and who they should contact to make an arrangement to pay.

      Once they get through to the right department they can make them aware of their situation and make an offer that they can afford. If they can’t pay the amount in full they should be happy with instalments provided they can clear it within a relatively short period of time.”

  • Clare

    Hi,

    Wondering if someone can help me with some advice?

    My partner and myself entered an IVA in August 2011.

    Included in the IVA was the whole of the years worth of council tax.

    We then moved property in the November, unbeknown to us that we would then become liable to council tax payments for the new property.

    When it became apparent by letter stating court action i called the IVA company and told them and was called back later on being told i have nothing to worry about and that the matter has now been sorted and that no bailiffs will be contacting us.

    2 days ago a bailiff called while i was at work.

    I had no idea that the bailiffs had been instructed.

    The bailiff is demanding £623 plus his own fees of £254 and has given me 30 days to pay.

    I have not let him into the property and have spoken to him only on the phone.

    Yesterday he offered me a payment plan but today has said that he spoke to his office and they have said to him that he can’t take a payment plan and wants the money in full otherwise will take goods.

    I feel like i’m going round in circles.

    Have rang and emailed the local council in relation to this, my IVA company have also sent an email to them to say there was a breakdown in communication.

    The bailiff has been quite misleading in saying he would accept a payment plan and then going back on it. He was also very rude and asked personal questions as to why i couldn’t pay my council tax in the first place and became very agressive when questioned about the fee he’s trying to charge.

    I haven’t refused to pay, in fact have offered two different payment amounts but he is insisting on full payment in 30 days.

    Can anyone offer any advice?

  • UMIT

    I owe business rate from Council I tried make a payment monthly but they sent to baliff they are asking me now
    around £300 more money which I owed and also they want to me pay them cash straight away unfournetly I dont have any money to pay straight i offered them monthly but they didnt accepted what shall I do I have got little baby 11 months and my wife getting a lot of stress nearly heart attacked.
    could you adviced me what shall we do ?

    • http://www.jasminebirtles.com Jasmine Birtles

      The first thing you should do is go to the Citizens Advice Bureau (www.citizensadvice.org.uk) and get them to negotiate for you. They can contact your local Council and help you sort out the situation with them.

  • ceri

    Hi I have recently stopped claiming as I started a new job, it didn’t work out as I was only recieveing 34pound a week (got the wage slips) I have an outstanding fine with courts for none tv licence reaching bk to 2008 but wasn’t living anywhere at the time my mum was renting for us both, I moved out may 5th 2009 before my daughter was born I had a knock on the door the other day from the bayliff telling me I had too pay in full I have 2 younge kids n right before xmas it isn’t possible I rung swift to try n explain what’s going on but they will not help n said I have too go through the bayliff! Bayliff returned but as I had a miscarage a week ago iv been in 4 all sorts of test I’m worryed he cn come n arrest me I have 2 kids 24/7 so if they do my kids will have too go into care, is there anything I can do the outstanding amount is 294.00 I have asked for 2weeks n I will find the money too pay but they keep sending the bayliffs here, can some1 give me advice I kno I’m in the rong 4 not contacting them or paying but with no benifit its hard, thanks all x

  • anonim

    We are 1 couple ,living in tenancy .
    Whit us 1 lives 1 older guy and he has problem with tax man-not payed on time his tax rtns and receided letters from to pay.
    Thi older guy which is not related to us on any form,has spoken with the debt colectors once and he told us he started to call the INRev. to pay his taxes and that everything is sorted.
    He lied to us ,previously and now he did it again,as TODAY he gor an other letter from debt collectors.
    This Guy, and aked whay he got the letter,why he didn’t payed his deeds,he becamed very angry and said”I don’t have to prove to you that i have payed my taxes,does not concern you”.

    Our concer is we leave for log time @ this adress with contract ,we are good tenants and we don’t want to have any problems on our tenamcy,or someone coming and braking our door….
    Why shoul we pay for this Selfish guy problem?
    Need advice,guidance, and what measure to take further,taking in consideration we have previously advise him to sort his tax problem and py….still he lied all the way through…lied to us.
    Many thanks.

    Pls post anser on web site too as email provided is not genuine.

  • amanda bridgeman

    hi..
    i have a company demanding my debt be paid with 6 monthly payments,i cannot afford to do that or i would.
    we have a mobility car and they said that if we refused to pay the bailifs will clamp the car..can they do this as the car is not our..the debt is for a parking ticket..we went 7mins over paid time.

    • http://twitter.com/SysReboot SysReboot

      i’m dubious that they can take the car if it doesn’t belong to you, & if they are debt collectors, then they have no authority to do so anyway, especially if the car is not parked in an area they control. that would be classed as acting out of their jurisdiction.

      write to them, explaining you can’t afford the amounts they are asking, & offer them a reduced amount over a longer period (an amount you can comfortably afford), it is in their best interests to receive the money as quickly as possible, but it is not in their best interests to prolong it or complicate matters more. so any reasonable offer is likely to be accepted.

  • emma

    Hi I have a café which was temporarily shut for a week due to other commitments. We have a new 6 year lease after an initial 3 year one that started in 2008. The landlord sent me a text on the 28th October asking of me to let him know when the rent was going to be in his bank, I did not reply as I received the text on the 2nd November when I turned my phone on, I rang him but his phone was off.
    Later that day I received a call off my dad saying two guys had been round to his house looking for me. I came to it was Steve, my landlord’s builder. I immediately contacted Steve asking what he wanted he said that my Landlord was looking for me I told him I have tried to contact him but his phone is off. But I asked him to tell my Landlord that I would have his rent a week on Wednesday, full. Later I got another phone call off Steve who told me I needed to contact the landlord urgently or he was sending the locks smiths into premises, I then called landlord again. He said to me that he’d already changed the locks, so I said to him how do I enter the premises he said I will need my rent which was due the end of October (29th to be exact). I have been in the premises nearly 4 years and recently the rent has been late on occasions due to lack of business, but was eventually paid in full and always within 2 weeks of the date.
    Then I phoned the landlord and asked him what is going on with my equipment and personal belongings. He has published on the windows indicating that the café is closed with my names on there too. Of course our loyal customers had already started calling and texting saying how sorry they’re to know that we’ve had closed. At the beginning, it was all news as my landlord was only talking of his rent and nothing about the notices insisting to them that I would be back soon and was only having a short holiday.
    The landlord insists the bailiffs do this as a part of changing the locks. It doesn’t make sense really the whole thing as I thought bailiffs weren’t locksmiths also. My dad has opened my post at his address and he said there’s a letter dated the 03/ 11/2011 from landlord’s solicitors stating that their client has repeatedly received late payment from us on a monthly occurrence. It asks of me to contact them to arrange payment and setup a standing order soon.
    There is no mention of locksmiths or bailiffs. All the while, the locks had already been changed. My landlord is insisting I honor the lease something I was happy to until I learned the news of the closure had swirled round the village so much reopening would be an uphill struggle in this economic climate. I have now decided it may not worth us going back and decided to call it a day.
    But it’s the manner in which my landlord has acted that has riled me most. It seems like underhand methods of getting money out of me. We too query his repossession of the shop without notice while insisting we honor the lease. We’re seeking assistance in the matter considering we may also have had a 21 day period in our lease for him to take any action and besides, he’d also accepted late/or part payments since the start of the year at least. I have also discovered that the Bailiff is in joint business with the landlords other business auctioneer site where he sells on second hand goods I think this has got a lot to do with why he has changed the locks to sell my partners property on which is in the premises it’s not even mine.

    Many thanks

    Emma

  • antmania

    Hi my partner has had two vistes by a man who is looking for me he wont tell her what it is a bout further more he is saying that the company dont belive i dont live there anymore which i dont he has said that she will have to this letter and the baliffs will be calling can they take anything out of the house as its. A fully furnised property and the landlord owns everything.

    • http://www.jasminebirtles.com Jasmine Birtles

      No they can’t take anything. If they do then your partner should contact the police and his landlord and tell them he has been burgled!

  • kat hall

    hi.my kids went to an independent steiner school.They loved it but over the years i got into debt with the school.the school knew this and i was always trying to pay whatever,whenever.the school operates on verbal agreements and trust and the last year, there was a verbal agreement that i would pay off the debt when my daughter had left.They gave me about 10 days to respond to their letters and then slapped me with debt collec letterthe day after my daughters last day there.It is a school based on a particular ethos and i would not allowed my daughter to continue if i knew they dealt with d.collects.Also there was a verbal agreem that i could pay a certain amout with school manager over phone but she is denying this.I am not giving any money to debt coll but still giving a certain amout to the school and they are receiving this and have told d.c that but i refuse to pay d.c.I am also trying to show the school up as completely incompetent and going against their original ethos of the school.This is alternative educaion .They even sent me the wrong account details in an email in which to set up a standing order.Basically,if u tell one person something at school, it just wont get thru to anu one else so info is always lost.I feel completely betrayed cos this is a tiny school and the parents make it happen as it is all about community.I use to play my clarinet for their advent market and make cakes and knit stuff.Any matters were aways discussed until the very end.I believe they wanted me in the school so that they could get as much money out of me as possible.so deceiving on their part.The school was originally set up in deprived socio economic areas so underpriveledged kids could go there.How ironic they are so quick to get in with d.c.The school was also in the news with the environmentalists and power station radcliffe on soar and with under cover cop, mark stone.Hit the news big time.yes it was this school used so their reputation is already a bit battered.sit at mo is i am paying school 30pd per month.I owe them 3.5 000 but i am on benefits.The school was unusual cos it allowed people om income support or benefits to go to the school unlike other private schools.They are not happy with the amount im paying and want me to pay 150pd p month.any ideas?k hall

  • Bogdan Swiderski

    Hi,I have a missed last payment, because I am Jobseeaker Allowance.
    I don’t have a benefits from job centre, I am waiting for.
    Now have received a goods collection letter from bristow and sutor if I don’t pay £976 they will be here to collect good well over the sum of wich i owe!I send to them letter and email with question about late payment because I am unemployed.
    They don’t agree.
    What I can do with this?Please could you give me ahelp.

    • CCCS Counsellor

      Hi Bogdan,

      Your creditor has sent your debt to the County Court and they have issued a County Court Judgement. As you have not replied to their paperwork with an offer of payment, your debt has now been passed to Bristow and Sutor, a bailiff company who have been asked to enforce the County Court Judgement. They will now ask for payment of the debt in full, and if it is not paid the company is authorised by the court to take possession of your property in order to sell then to repay the debt.

      If you have no contact with the courts or the bailiffs they will charge for their visits and if you allow the bailiffs entry they will take what is called ‘walking possession’ of your goods.

      Walking possession means they will make a list the goods, which they will then legally own, and give you seven days to pay off your debt in full before returning to take them away. They can force entry on the second visit (supported by the police) to collect the listed goods.

      The most important thing to remember is that you are not obliged to allow the bailiffs into your property. This means you should not allow any children in the house to answer the door.

      You can stop the bailiff action by applying to the court for a Variation Order N245. You will be exempt from any court costs because you are in receipt of benefits. The Consumer Credit Counselling Service (CCCS) can help you compile a financial statement to prove that you are unable to afford more than a token £1 a month.

      I would strongly recommend that you contact a free debt charity such as CCCS to seek advice on how to do this. CCCS has a freephone helpline on 0800 138 1111, open Monday to Friday 8am to 8pm.

      If the bailiffs come before you are able to do this, tell them (through a closed door) that you are involving a third party to make an application for a variation of payments to the County Court Judgement.

      Kind Regards,
      CCCS

  • CCCS Counsellor

    Hi Ayse,

    If you want to put in a defence and did not have the opportunity to do this, you could apply to have the judgment set aside.
    You need to complete an N244 form to apply for an order to do this.

    A District Judge will then decide if there are sufficient grounds to set aside the judgement if any of the following conditions apply:

    • The court thinks you have a real chance of a successful defence to the claim.
    • The court thinks there is another good reason why the judgment should be set aside.

    Although you say you did not receive the court papers, the court will not always agree that this is a good reason to set aside the judgment. The court is allowed to send the papers to your usual or last known address.

    There is a fee of £75, but if you are on benefits or cannot afford to pay the fee you should complete an EX160 Fee Remission Form.

    You should be aware that an order for costs may be made against you if your application does not succeed.

    If the judgement is set aside, you will have another opportunity to reply to the claim form, make an offer of payment or enter any defence or counterclaim. Having a judgment set aside does not wipe out the proceedings altogether but the details will be removed from the Register of Judgments, Orders and Fines until a new judgment is made.

    If you would like further advice regarding this, you can call our free helpline on 0800 138 1111. Lines are open from 08.00 until 20.00 Monday to Friday.

    Kind regards
    CCCS

  • CCCS Counsellor

    Hi Stuart,

    You should try to come to an arrangement either directly with the bailiff or ask the local authority to withdraw the warrant and take the debt back. Most local authorities will want to come to an arrangement with you if it results in regular payments. It’s important to do this straight away because the bailiffs can add costs to your bill for each visit they make.

    If you think that the bailiffs are not acting in a ‘fair way’ by referring you from one office to another and denying knowledge of your previous conversation, then you can put in a complaint to whoever instructed the bailiff, for example the local authority.

    Your council may be able to apply for deductions if you are receiving certain benefits.

    If you have not already done so, it would be advisable to back up your offer of payment with a copy of your income and expenditure. Make sure you pay something rather than nothing at all.

    If you would like further help and assistance in putting a budget together, you can visit our online debt advice facility called Debt Remedy. Debt Remedy would assist you in completing a financial statement and you would be provided with tailored advice on the best way to deal with your situation. This link will take you directly to Debt Remedy http://www.cccs.co.uk/ref/drcu

    Alternatively, if you would like to speak to one of our debt counsellors, you can call free on 0800 138 1111. Lines are open from 08.00 until 20.00 Monday to Friday.

    Kind Regards
    CCCS

  • ayse

    my husband owned a lease on a commercial property for which he was unable to pay the rent in the last 6 months as the business had folded and he had been unable to find a tenant or sell on the lease, he was a sole trader. the landlord without warning changed the locks on the property and did not let my husband back in to remove personal items including paperwork and business equipment which was worth quite a few thousand pounds. we have a received a letter to say a county court judgement has been awarded to the landlord for rent arrears of which we received no prior notification. we phoned the appointed solicitors and explained the situation and that the amount being claimed was over the arrears and the fact that the landlord had my husbands possesions from the business. we were told it would be looked into and someone would call back. we have had no call and now had bailiffs call to cease our personal possesions , we are both unemployed, have no savings and only receive benefits which dont even cover our outgoings. what do we do?

  • stuart s

    I have recently missed 2 payments when my benefits were suspended and had a 4 hr notice from the baliff. I rang him on friday and he agreed that if I pay an amount the following tuesday he should be able to reinstate and arrangement. When I rang him to make the payment he at first denied all knowledge of the previous conversation. He then said to ring the office and they will not deal and kep refering me back to the collecting baliff. I am stuck as to what to do and wonder if I can go back to the council involved (council tax debt) and ask them to deduct from my benefits despite this being a few years ago??? can anyone help

  • Rob Irish

    Hi

    I hope you may be able to shed some light for me.
    i have missed 2 payments over christmas of 10£ this is because my jobseakers alowance was stopped as i missed a signing day. when my claim was reinstated 2 weeks later i sent payments once more. i now have received a goods collection letter from bristow and sutor if i dont pay 390£ by the 6th of jan they will be here to collect good well over the sum of wich i owe!
    is there any thing i can do to delay them or make alternative payments?
    please help as this i feel they are very unfair towards people who are unemployed.

    Kind regards

    Rob Irish

    • http://www.jasminebirtles.com Jasmine Birtles

      Hi Rob, sorry to hear about this trouble you’re going through. You’ll need to give us more information, though, for us to help. I’ve spoken to Creditaction.org.uk about it and they say they may be able to help but they need more details, like it may be that you missed more payments previously or the timescale has been reduced but whatever the case £390 for two missed payments of £10 seems excessive to say the least. Give us more info and we’ll help where we can.

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