View more on these topics

Citizens Advice calls for baliff clampdown

Citizens Advice has warned that an unpaid credit card bill could soon be all the excuse a bailiff needs to break into a home and seize belongings, with the full blessing of the law.

If it becomes law, a new bill will extend to all bailiffs the power to forcibly enter domestic premises to enforce debts, including consumer credit debts.

Citizens Advice is pressing for regulation of bailiffs to be included in the bill.

It also wants clear safeguards to ensure that forcible entry is only used as a last resort and only where it can be shown that the debtor is not a vulnerable person and that non-payment is the result of wilful refusal or culpable neglect.

An analysis of 500 case reports from Citizens Advice Bureaux in England and Wales found that almost two thirds of bailiffs were guilty of harassment or intimidation and 40% misrepresented their powers of entry.

A quarter threatened debtors with imprisonment, and 42% charged excessive fees. In over half the cases, the debtor was vulnerable.

David Harker, chief executive of Citizens Advice says: Our evidence over many years shows that bailiffs have an appalling track record of abusing their existing powers against vulnerable people.

“They are often abusive and aggressive, and use threats of violence and prison to pressurise people into paying lump sums they cannot afford.

We are urging MPs to make sure the bill includes independent regulation to rein in the worst excesses of bailiff behaviour.

“It is vital that the bill also provides strong safeguards to ensure that forcible entry is only used as an absolute last resort, and only after the vulnerability of the debtor and their ability to make repayments have been taken into account.


Free client portal from IntelliFlo

IntelliFlo, the financial services technology provider, has launched a client portal that is available to users of Intelligent Office at no extra cost.

Affirmative and The Mortgage Force launch bridging venture

Bridging lender Affirmative has linked up with The Mortgage Force to support its growth in the bridging loans market.The Mortgage Force has a referral arrangment with Affirmative which means that Affirmative’s bridging loans will be available to the whole of its franchise network.Paul Rumbold, marketing and sales director of Affirmative, says: “There is real synergy […]

Sorry seems to be the hardest word

There’s so much this industry could celebrate. Take record levels of business, innovation and new opportunities, for example. That’s why it is amusing to see a war of words going on between industry heavyweights.

Edeus launches sub-prime remortgage range

Edeus has released an additional 24 remortgage-only sub-prime and sub-prime self-cert products.These propositions, which will to add the new range launched in February are offered with free remortgage service, free property assessment, 200 cashback, and rates from a 6.44% near prime three-year tracker, at 90% LTV.Alternatively, brokers can choose from the existing range, offering 500 […]

A guide to auction finance in 2017

By Matt Tooth, chief commercial officer, LendInvest Over the coming weeks, property auction houses across the country will begin sending out their catalogues to prospective buyers in time for the first auction series of 2017. It’s an exciting time for investors, well aware of the opportunities the properties on the lot sheets offer them and […]


News and expert analysis straight to your inbox

Sign up