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<rss version="2.0"><channel><title>How To Stop The Bailiffs</title><link>https://www.howtostopthebailiffs.co.uk/blog/</link><description>Clear, independent guidance on bailiffs, your rights and your debt options in England and Wales.</description><language>en-gb</language><item><title>Marston bailiffs: what to do if Marston Holdings contacts you</title><link>https://www.howtostopthebailiffs.co.uk/blog/marston-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/marston-bailiffs/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Had a letter or visit from Marston Holdings? What Marston&#x27;s enforcement agents can and can&#x27;t do, the fees they can charge, how to stop enforcement and how to complain.</description></item><item><title>Equita bailiffs: how to deal with an Equita letter or visit</title><link>https://www.howtostopthebailiffs.co.uk/blog/equita-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/equita-bailiffs/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Equita enforcement agents collect council tax, parking penalties and other debts for public bodies. What their letters mean, how to set up an affordable payment plan and what to do if you&#x27;re vulnerable.</description></item><item><title>Bristow &amp; Sutor bailiffs: parking and council tax letters explained</title><link>https://www.howtostopthebailiffs.co.uk/blog/bristow-and-sutor-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/bristow-and-sutor-bailiffs/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Bristow &amp; Sutor collects council tax, business rates and parking penalties for councils. What their letters mean, how to challenge a parking penalty you never knew about, and how to stop enforcement.</description></item><item><title>Jacobs bailiffs: car clamping, letters and how to stop enforcement</title><link>https://www.howtostopthebailiffs.co.uk/blog/jacobs-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/jacobs-bailiffs/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Jacobs Enforcement collects council tax and parking penalties for councils, and often targets vehicles. What to do if Jacobs has written to you or clamped your car, and how to stop further fees.</description></item><item><title>Rossendales bailiffs: checking fees and challenging enforcement</title><link>https://www.howtostopthebailiffs.co.uk/blog/rossendales-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/rossendales-bailiffs/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Rossendales collects council tax and other debts for councils. How to check whether its fees are right, what to do about a visit, and how to complain if something has gone wrong.</description></item><item><title>Newlyn bailiffs: what a Newlyn letter means and your next steps</title><link>https://www.howtostopthebailiffs.co.uk/blog/newlyn-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/newlyn-bailiffs/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Newlyn collects parking penalties, council tax and other debts for councils. A step-by-step plan for the first 14 days after a Newlyn letter, plus your rights if an agent visits.</description></item><item><title>Got a bailiff letter? What it means and what to do next</title><link>https://www.howtostopthebailiffs.co.uk/blog/bailiff-letter-what-to-do/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/bailiff-letter-what-to-do/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>How to read a bailiff letter, tell a real enforcement notice from a debt collection letter, work out how long you have, and the steps to take straight away to stop fees and visits.</description></item><item><title>Can bailiffs take my partner&#x27;s or family&#x27;s belongings?</title><link>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-take-partners-belongings/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-take-partners-belongings/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Bailiffs can only take goods that belong to the person who owes the debt, but jointly owned items are different. How to protect your partner&#x27;s, children&#x27;s and lodger&#x27;s belongings, and what to do if something is taken.</description></item><item><title>Bailiff letters for someone who doesn&#x27;t live here: what to do</title><link>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-previous-tenant-debt/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-previous-tenant-debt/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Getting bailiff letters for a previous tenant or someone who doesn&#x27;t live at your address? Bailiffs can&#x27;t take your belongings for someone else&#x27;s debt. How to stop the letters and protect yourself.</description></item><item><title>Can bailiffs take money from my bank account?</title><link>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-take-money-from-bank-account/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-take-money-from-bank-account/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Bailiffs can&#x27;t take money from your bank account, but some creditors can, through court orders, HMRC powers or the bank&#x27;s right of set-off. Here&#x27;s who can access your account and how to protect your money.</description></item><item><title>Fake bailiffs and scam letters: how to check a bailiff is real</title><link>https://www.howtostopthebailiffs.co.uk/blog/fake-bailiffs-how-to-check/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/fake-bailiffs-how-to-check/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Scammers pose as bailiffs by phone, text, email and on the doorstep. Seven checks to tell a genuine enforcement agent from a fake, and what to do if you&#x27;ve been targeted.</description></item><item><title>How long can bailiffs chase a debt?</title><link>https://www.howtostopthebailiffs.co.uk/blog/how-long-can-bailiffs-chase-a-debt/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/how-long-can-bailiffs-chase-a-debt/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>The time limits that apply to bailiff action in England and Wales, from the 12-month limit after a Notice of Enforcement to the six-year rules for council tax and county court judgments.</description></item><item><title>Bailiffs and self-employed people: protecting your van and work tools</title><link>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-self-employed-tools-of-trade/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-self-employed-tools-of-trade/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>If you&#x27;re self-employed, bailiffs can&#x27;t take tools, equipment or a vehicle you need for work up to £1,350 in total. How the exemption works, business premises, business rates and where to get help.</description></item><item><title>Council tax summons: what it means and what to do before the hearing</title><link>https://www.howtostopthebailiffs.co.uk/blog/council-tax-summons/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/council-tax-summons/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Received a council tax summons? What it means, whether you need to go to court, the extra costs, and how to stop a liability order or stop it leading to bailiffs.</description></item><item><title>Council tax liability order: what it means and how to stop bailiffs</title><link>https://www.howtostopthebailiffs.co.uk/blog/council-tax-liability-order/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/council-tax-liability-order/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>A council tax liability order lets the council use bailiffs, deductions from wages or benefits and other enforcement. What it means, what happens next and how to stop it escalating.</description></item><item><title>Can you go to prison for not paying council tax?</title><link>https://www.howtostopthebailiffs.co.uk/blog/prison-for-council-tax/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/prison-for-council-tax/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>In Wales, no. In England, prison for council tax debt is possible but rare, and only after a court finds wilful refusal or culpable neglect. How the committal process works and how to make sure it never gets that far.</description></item><item><title>Council tax attachment of earnings: how much can be taken from your wages?</title><link>https://www.howtostopthebailiffs.co.uk/blog/council-tax-attachment-of-earnings/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/council-tax-attachment-of-earnings/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>After a liability order, the council can tell your employer to take council tax arrears straight from your wages. How it works, how the amount is worked out and what to do if you can&#x27;t afford it.</description></item><item><title>Council tax arrears taken from benefits: how deductions work</title><link>https://www.howtostopthebailiffs.co.uk/blog/council-tax-deductions-from-benefits/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/council-tax-deductions-from-benefits/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>After a liability order, the council can ask the DWP to take council tax arrears from Universal Credit and other benefits. How deductions work, the 15% cap on Universal Credit deductions, and what to do if you&#x27;re left short.</description></item><item><title>Council Tax Reduction and discounts: how to cut your bill and arrears</title><link>https://www.howtostopthebailiffs.co.uk/blog/council-tax-reduction/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/council-tax-reduction/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Council Tax Reduction, the 25% single person discount, disregards, exemptions and hardship relief can all cut your council tax. Who qualifies, how to claim and how to ask for backdating.</description></item><item><title>Can council tax debt be written off?</title><link>https://www.howtostopthebailiffs.co.uk/blog/can-council-tax-debt-be-written-off/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/can-council-tax-debt-be-written-off/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Councils rarely write off council tax, but arrears can be reduced or cleared through backdated reductions, hardship relief, a Debt Relief Order, an IVA or bankruptcy. The options, the pros and cons, and what never gets written off.</description></item><item><title>Can&#x27;t pay a magistrates&#x27; court fine? What happens and what to do</title><link>https://www.howtostopthebailiffs.co.uk/blog/magistrates-court-fines-cant-pay/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/magistrates-court-fines-cant-pay/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Magistrates&#x27; court fines are enforced more strictly than other debts. Bailiffs can force entry as a last resort, and fines can&#x27;t go into Breathing Space, a DRO or an IVA. How to get affordable payments and avoid escalation.</description></item><item><title>HMRC debt: what HMRC can do and how to stop enforcement</title><link>https://www.howtostopthebailiffs.co.uk/blog/hmrc-debt-enforcement/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/hmrc-debt-enforcement/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Owe HMRC? It can take control of goods, recover money directly from bank accounts in some cases, go to court or petition for bankruptcy. How Time to Pay arrangements work and your other options.</description></item><item><title>What is a CCJ? County court judgments explained</title><link>https://www.howtostopthebailiffs.co.uk/blog/what-is-a-ccj/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/what-is-a-ccj/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>How a county court judgment works, how to respond to a court claim, what happens if you don&#x27;t pay, how CCJs lead to bailiffs, and how a CCJ affects your credit file for six years.</description></item><item><title>How to set aside a CCJ you didn&#x27;t know about</title><link>https://www.howtostopthebailiffs.co.uk/blog/how-to-set-aside-a-ccj/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/how-to-set-aside-a-ccj/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>If you didn&#x27;t receive the court papers or have a real defence, you can apply to set aside a county court judgment using form N244. When it&#x27;s possible, how to apply, the fee and what happens to bailiffs meanwhile.</description></item><item><title>Warrant of control: how to stop county court bailiffs with form N245</title><link>https://www.howtostopthebailiffs.co.uk/blog/warrant-of-control-n245/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/warrant-of-control-n245/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>A warrant of control lets county court bailiffs take control of your goods for an unpaid CCJ. How to suspend it with form N245, what to put in your offer and what county court bailiffs can and can&#x27;t do.</description></item><item><title>High Court Enforcement Officer letter: what it means and how to respond</title><link>https://www.howtostopthebailiffs.co.uk/blog/high-court-enforcement-officer-letter/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/high-court-enforcement-officer-letter/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>A letter from a High Court Enforcement Officer means a CCJ has been transferred to the High Court for a writ of control. HCEO fees, what they can and can&#x27;t do, and how to stop enforcement or apply for a stay.</description></item><item><title>Attachment of earnings orders: when creditors can take money from your wages</title><link>https://www.howtostopthebailiffs.co.uk/blog/attachment-of-earnings-order/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/attachment-of-earnings-order/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>After a county court judgment, a creditor can ask the court for an attachment of earnings order to take money directly from your wages. How the amount is set, your protected earnings and how to change or stop the order.</description></item><item><title>Charging orders: can a creditor force the sale of your home?</title><link>https://www.howtostopthebailiffs.co.uk/blog/charging-order/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/charging-order/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>A charging order secures a CCJ debt against your home. How charging orders work, the separate step needed for an order for sale, the £1,000 rule for consumer credit debts, and how to respond.</description></item><item><title>IVA eligibility: who qualifies for an Individual Voluntary Arrangement?</title><link>https://www.howtostopthebailiffs.co.uk/blog/iva-eligibility/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/iva-eligibility/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>There&#x27;s no fixed legal minimum for an IVA, but most are only suitable if you owe a significant amount to two or more creditors and can afford regular payments. The typical eligibility factors, who IVAs don&#x27;t suit and the alternatives.</description></item><item><title>IVA fees explained: what an IVA really costs</title><link>https://www.howtostopthebailiffs.co.uk/blog/iva-fees/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/iva-fees/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>IVA fees are usually taken from your monthly payments rather than paid upfront. The nominee and supervisor fees, how much of your payments go to fees, what to ask before you agree, and when an IVA isn&#x27;t good value.</description></item><item><title>Is an IVA a good idea? The honest pros and cons</title><link>https://www.howtostopthebailiffs.co.uk/blog/is-an-iva-a-good-idea/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/is-an-iva-a-good-idea/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>An IVA can stop bailiffs, freeze interest and write off debt, but it has fees, lasts years and affects your credit rating. A balanced look at the pros and cons, who it suits and the questions to ask first.</description></item><item><title>IVAs and your home: equity release, extensions and what to expect</title><link>https://www.howtostopthebailiffs.co.uk/blog/iva-and-your-home/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/iva-and-your-home/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Homeowners can usually keep their home in an IVA, but may be asked to release equity towards the end. How equity release works, what happens if you can&#x27;t remortgage, and how an IVA compares with bankruptcy for homeowners.</description></item><item><title>IVA vs debt management plan: which is better?</title><link>https://www.howtostopthebailiffs.co.uk/blog/iva-vs-debt-management-plan/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/iva-vs-debt-management-plan/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>An IVA is legally binding and writes off what&#x27;s left after five or six years. A debt management plan is informal, flexible and can be free, but you repay in full. A side-by-side comparison to help you decide.</description></item><item><title>IVA vs bankruptcy: which is right for you?</title><link>https://www.howtostopthebailiffs.co.uk/blog/iva-vs-bankruptcy/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/iva-vs-bankruptcy/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Bankruptcy is quicker and has a fixed £680 fee, but puts your home and assets at risk. An IVA usually protects your home but lasts five or six years and has fees. A clear comparison of costs, length, home, job and credit file.</description></item><item><title>Missed IVA payments: payment breaks, variations and what happens if an IVA fails</title><link>https://www.howtostopthebailiffs.co.uk/blog/iva-failed-missed-payments/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/iva-failed-missed-payments/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Struggling to keep up IVA payments? How payment breaks and variations work, when an IVA fails, what happens to your debts and fees, and the options if your circumstances have changed.</description></item><item><title>How to apply for a Debt Relief Order: step-by-step guide</title><link>https://www.howtostopthebailiffs.co.uk/blog/how-to-apply-for-a-dro/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/how-to-apply-for-a-dro/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>How to apply for a Debt Relief Order in England and Wales, from checking eligibility to the Official Receiver&#x27;s decision. The documents you&#x27;ll need, how long it takes and what happens next. DROs are free.</description></item><item><title>What debts can be included in a DRO?</title><link>https://www.howtostopthebailiffs.co.uk/blog/what-debts-can-be-included-in-a-dro/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/what-debts-can-be-included-in-a-dro/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Which debts a Debt Relief Order can and can&#x27;t include, from council tax arrears and credit cards to court fines and student loans, plus what happens with joint debts, rent arrears and benefit overpayments.</description></item><item><title>DRO vs bankruptcy: which is better for you?</title><link>https://www.howtostopthebailiffs.co.uk/blog/dro-vs-bankruptcy/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/dro-vs-bankruptcy/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>A Debt Relief Order is free and simpler, but only for people with debts of £50,000 or less, low income and few assets. Bankruptcy costs £680 and has no debt limit, but risks your assets. A side-by-side comparison.</description></item><item><title>How to go bankrupt in England and Wales: process, cost and consequences</title><link>https://www.howtostopthebailiffs.co.uk/blog/how-to-go-bankrupt/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/how-to-go-bankrupt/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>How to apply for bankruptcy online, the £680 fee, what happens to your home, car and income, the restrictions you&#x27;ll face, how bankruptcy stops bailiffs, and the alternatives to consider first.</description></item><item><title>Debt management plans explained: how a DMP works</title><link>https://www.howtostopthebailiffs.co.uk/blog/debt-management-plan-explained/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/debt-management-plan-explained/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>A debt management plan lets you repay non-priority debts with one affordable monthly payment. How DMPs work, free vs fee-charging providers, the effect on your credit file and why a DMP doesn&#x27;t stop bailiffs for priority debts.</description></item><item><title>Can debt be written off in the UK? The legitimate ways</title><link>https://www.howtostopthebailiffs.co.uk/blog/can-debt-be-written-off/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/can-debt-be-written-off/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Debt can be written off in the UK through a Debt Relief Order, an IVA, bankruptcy, a full and final settlement, creditor hardship write-offs or statute-barred rules. How each works, the downsides, and how to spot misleading &quot;write-off&quot; adverts.</description></item><item><title>Is debt help really free? How debt advice firms are paid</title><link>https://www.howtostopthebailiffs.co.uk/blog/is-debt-help-free/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/is-debt-help-free/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Free debt advice is available from charities, but many debt firms are paid through IVA fees, DMP fees or commission. How each type of debt help is funded, what you should never pay for, and how to check a firm.</description></item><item><title>Can I keep my car in an IVA, DRO or bankruptcy?</title><link>https://www.howtostopthebailiffs.co.uk/blog/keep-car-iva-dro-bankruptcy/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/keep-car-iva-dro-bankruptcy/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Whether you can keep your car depends on the debt solution, the car&#x27;s value and whether it&#x27;s on finance. The rules for DROs (£4,000 limit), IVAs and bankruptcy, plus what happens to cars on hire purchase or PCP.</description></item><item><title>Statute-barred debt: when a creditor can no longer take you to court</title><link>https://www.howtostopthebailiffs.co.uk/blog/statute-barred-debt/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/statute-barred-debt/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>In England and Wales, most unsecured debts become statute-barred if the creditor hasn&#x27;t taken court action within six years and you haven&#x27;t paid or acknowledged the debt in writing. How the rule works, which debts it covers and how to respond.</description></item><item><title>Letters from Lowell, Cabot or Intrum: what debt collectors can and can&#x27;t do</title><link>https://www.howtostopthebailiffs.co.uk/blog/debt-collection-letters/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/debt-collection-letters/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Debt purchasers and collection agencies such as Lowell, Cabot and Intrum often buy or collect old debts. They aren&#x27;t bailiffs and can&#x27;t take your belongings. How to check the debt, ask for proof and respond.</description></item><item><title>Can&#x27;t pay car finance? Your options, from voluntary termination to repossession rules</title><link>https://www.howtostopthebailiffs.co.uk/blog/car-finance-cant-pay/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/car-finance-cant-pay/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Struggling with car finance? How voluntary termination works once you&#x27;ve paid half, the one-third repossession rule, logbook loans, and how car finance fits into debt solutions.</description></item><item><title>Behind on energy bills? Prepayment meter rules and getting help</title><link>https://www.howtostopthebailiffs.co.uk/blog/energy-debt/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/energy-debt/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Gas and electricity arrears are a priority debt. What energy suppliers can and can&#x27;t do, the rules on forced prepayment meters, payment plans, hardship grants and how energy debt fits into Breathing Space, DROs and IVAs.</description></item><item><title>Can&#x27;t pay your credit card? What happens and what to do</title><link>https://www.howtostopthebailiffs.co.uk/blog/credit-card-debt/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/credit-card-debt/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>What happens if you can&#x27;t pay your credit card, from missed payment charges and defaults to debt collectors and court action, plus the FCA&#x27;s persistent debt rules and the options that can help.</description></item><item><title>Debt and mental health: getting help and extra protection</title><link>https://www.howtostopthebailiffs.co.uk/blog/debt-and-mental-health/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/debt-and-mental-health/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>Debt and mental health problems often go together. The protections available, including mental health crisis Breathing Space and the Debt and Mental Health Evidence Form, how to tell creditors and bailiffs, and where to get support.</description></item><item><title>Child maintenance arrears: how the CMS enforces them and what to do</title><link>https://www.howtostopthebailiffs.co.uk/blog/child-maintenance-arrears/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/child-maintenance-arrears/</guid><pubDate>Mon, 19 Oct 2026 09:00:00 +0000</pubDate><description>The Child Maintenance Service has strong powers to collect arrears, including deductions from wages and bank accounts, bailiffs, losing your driving licence or passport, and in serious cases prison. How enforcement works and how to stop it escalating.</description></item><item><title>Bailiffs at the door? What to do right now, step by step</title><link>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-at-the-door/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-at-the-door/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>Bailiffs knocking right now? Here&#x27;s exactly what to do: whether to open the door, what to ask for, how to protect your car and belongings, and how to stop the visit from getting worse.</description></item><item><title>Can bailiffs force entry to your home? The rules in 2026</title><link>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-force-entry/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-force-entry/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>Bailiffs can&#x27;t force entry to your home for most debts, including council tax and parking fines. Here&#x27;s when they can, what &quot;peaceful entry&quot; means, and what to do if a bailiff breaks the rules.</description></item><item><title>What can bailiffs take? Exempt goods explained</title><link>https://www.howtostopthebailiffs.co.uk/blog/what-can-bailiffs-take/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/what-can-bailiffs-take/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>What bailiffs can and can&#x27;t take from your home in England and Wales, the full list of exempt goods, the £1,350 work tools limit, what happens to jointly owned items and how to prove something isn&#x27;t yours.</description></item><item><title>Bailiff fees explained: what enforcement agents can legally charge in 2026</title><link>https://www.howtostopthebailiffs.co.uk/blog/bailiff-fees-explained/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/bailiff-fees-explained/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>The fixed bailiff fees in England and Wales from 1 May 2026, how the 7.5% charge works, the old fees for earlier cases, High Court fees, when fees can&#x27;t be charged and how to challenge them.</description></item><item><title>Council tax arrears and bailiffs: how to stop enforcement</title><link>https://www.howtostopthebailiffs.co.uk/blog/council-tax-arrears-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/council-tax-arrears-bailiffs/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>Behind on council tax and facing bailiffs? How council tax enforcement works, how to get the council to take the debt back, discounts that could cut your bill, and how Breathing Space, DROs and IVAs can help.</description></item><item><title>Notice of Enforcement: what it means and how long you have</title><link>https://www.howtostopthebailiffs.co.uk/blog/notice-of-enforcement/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/notice-of-enforcement/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>Had a Notice of Enforcement from bailiffs? What it means, the new 14 clear day notice period from 1 May 2026, how to get a 28-day extension through a debt adviser, and what to do before the visit.</description></item><item><title>Can Breathing Space stop bailiffs? How the 60-day protection works</title><link>https://www.howtostopthebailiffs.co.uk/blog/breathing-space-stop-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/breathing-space-stop-bailiffs/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>Yes, Breathing Space can stop most bailiff action for 60 days. How it works with bailiffs, which debts are covered, what happens to fees, and how to get it quickly through a debt adviser.</description></item><item><title>Will a Debt Relief Order stop bailiffs?</title><link>https://www.howtostopthebailiffs.co.uk/blog/will-a-dro-stop-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/will-a-dro-stop-bailiffs/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>A Debt Relief Order stops creditors named in it from using bailiffs. Here&#x27;s when protection starts, which debts are covered, the 2026 DRO eligibility rules, and how to protect yourself while you apply.</description></item><item><title>Can an IVA stop bailiffs?</title><link>https://www.howtostopthebailiffs.co.uk/blog/can-an-iva-stop-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/can-an-iva-stop-bailiffs/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>An approved IVA stops creditors included in it from using bailiffs. When protection starts, which debts are covered, what happens during the proposal stage, and the costs and risks of an IVA.</description></item><item><title>Can bailiffs take your car? Clamping, finance and Blue Badges</title><link>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-take-my-car/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/can-bailiffs-take-my-car/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>When bailiffs can clamp and take your car in England and Wales, which vehicles are protected (Blue Badge, Motability, finance, work vans), what happens next and how to get a car back.</description></item><item><title>Controlled goods agreements: should you sign one?</title><link>https://www.howtostopthebailiffs.co.uk/blog/controlled-goods-agreement/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/controlled-goods-agreement/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>What a controlled goods agreement with bailiffs is, what you&#x27;re agreeing to, what happens if you miss a payment (including forced re-entry), and how to decide whether to sign.</description></item><item><title>Bailiffs and vulnerable people: extra protection if you&#x27;re struggling</title><link>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-and-vulnerable-people/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/bailiffs-and-vulnerable-people/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>Extra protections from bailiffs if you&#x27;re vulnerable, including mental health, disability, illness, pregnancy or bereavement. How to tell bailiffs and creditors, get the debt returned, and use mental health crisis Breathing Space.</description></item><item><title>Parking fines and bailiffs: how to stop PCN enforcement</title><link>https://www.howtostopthebailiffs.co.uk/blog/parking-fine-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/parking-fine-bailiffs/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>How an unpaid council parking fine (PCN) ends up with bailiffs, how to challenge it with TE7 and TE9 forms if you never got the paperwork, and how to stop enforcement. Plus private parking charges explained.</description></item><item><title>Debt collectors vs bailiffs vs High Court Enforcement Officers: what&#x27;s the difference?</title><link>https://www.howtostopthebailiffs.co.uk/blog/debt-collectors-vs-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/debt-collectors-vs-bailiffs/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>Debt collectors, bailiffs (enforcement agents), county court bailiffs and High Court Enforcement Officers have very different powers. How to tell who&#x27;s contacting you and what they can actually do.</description></item><item><title>How to complain about a bailiff (and challenge their fees)</title><link>https://www.howtostopthebailiffs.co.uk/blog/how-to-complain-about-bailiffs/</link><guid>https://www.howtostopthebailiffs.co.uk/blog/how-to-complain-about-bailiffs/</guid><pubDate>Mon, 12 Oct 2026 09:00:00 +0000</pubDate><description>How to complain about a bailiff in England and Wales: the enforcement company, the creditor, the Enforcement Conduct Board, the Ombudsman and the courts. With a template and tips on evidence and fee refunds.</description></item></channel></rss>
