Bailiffs: Regulatory Reform

Debate between Emma Reynolds and Ranil Jayawardena

Wednesday 9th January 2019 Westminster Hall

[Emma Reynolds (Wolverhampton North East) (Lab)]

I beg to move,

That this House has considered bailiff regulatory reform.

As ever, Mr Evans, it is a pleasure to serve under your chairmanship, and I wish all hon. Members a happy new year. As we embark on a year that will be dominated by Brexit—as we saw in the Chamber just a minute ago—it is good to focus on another concern of our constituents. I called for this debate on reforming the regulation of bailiffs because a shocking case of aggressive behaviour by bailiffs in my own constituency was presented to me at an advice surgery, and I have heard countless other examples from hon. Members and from the charities involved. I thank my local paper, which published an article on the topic over the Christmas period, and members of the public who got in touch with me.

My main message to the Minister is that we simply cannot let bailiffs become a law unto themselves. The Government need to take urgent action against bailiffs who break the rules, behave aggressively and act with apparent impunity. According to the evidence presented by Citizens Advice, StepChange and other organisations, this is not just a few bad apples, but a widespread problem. Although I welcome the call for evidence that the Government announced last year, I stress to the Minister that we are not discussing a minority of bailiffs, and I urge her and her Department to recognise that. After all, we have to face up to the scale of the challenge if we are to find the right solutions.

Some 2.2 million people in England and Wales have been contacted by a bailiff in the past two years. The regulations that the Government introduced in 2014 are welcome, but there are huge problems with the lack of enforcement. Since the introduction of those reforms, Citizens Advice has recorded a 24% increase in problems with bailiffs. One person in three who has experience of bailiffs has seen them breaking the rules, and 40% have suffered intimidation. Unfortunately, the fee structure has created a perverse incentive for bailiffs to make visits and reject repayment offers, which we have seen time and again, as they can charge fees of £235 for every debt they collect in person.

I first became aware of the severity of this problem last year, when a disabled constituent came to see me at an advice surgery. Let us imagine for a moment being in her shoes: you and your partner are just getting up. You hear a knock at the door. Your partner goes to answer it. You hear loud voices, then feet on the stairs. A total stranger strides into your bedroom. You are absolutely terrified. The first thing he does is pick up your purse and take out all the cash. You think you are being burgled, but you are not: you are being visited by bailiffs. My constituent’s experience, unfortunately, is not an isolated case. Another man told me that bailiffs used humiliation in front of his neighbours to gain entry to his home. He said:

“They tried to push their way into my house saying they have a right to. When I asked to see the court papers the bailiff said—you have already had them and he would only discuss the case in the house. He then started shouting so that other people”

including his neighbours

“could hear him—this was obviously to embarrass us”

and to intimidate the man.

[Mr Ranil Jayawardena (North East Hampshire) (Con)]

I congratulate the hon. Lady on securing this important debate on an issue that is faced by people across the country. Regarding the point she has just raised, does she agree that the current regulations give perfectly innocent people no opportunity whatsoever to prevent a visit by bailiffs or verify the authenticity of visiting bailiffs when they are not the debtor concerned? One of my constituents faced that situation—a traumatic ordeal along the lines that the hon. Lady has outlined.

[Emma Reynolds]

From all the cases that I have heard about, those experiences are traumatic and have a lasting effect on the people involved. In many cases, they are not necessarily the debtor—they are not the person who owes the money—but they are still treated in an appalling manner. That is not to say that the debtor should be treated appallingly either, but bailiffs do not seem to have regard to the rules, which is that they can seize possessions that belong only to the debtor.

That brings me to another example—a person from the constituency of the hon. Member for Harborough (Neil O'Brien), whose son was in debt and who bravely spoke out on the radio today about his experience. He said:

“We invited these men into our home so that we could understand what was going on and in the belief that we could then work with them to resolve the problem. All they did once inside our home was to threaten us with public humiliation. At no time did they advise us of any of our rights. We were told that although we were in our own home that the only way we could prevent them seizing our property”,

including this gentleman’s car,

“was if we could produce receipts.”

I do not know about other Members, but I would not have a receipt for my car at hand if someone were to knock on my door. I know that the hon. Member for Harborough will speak in more detail about his constituent, whom I thank for coming forward.

In another case, a woman told me:

“I went to close the door and the bailiff put his foot in to my hall to prevent me from shutting the door. I got through to the police, explained the situation, was told he had no right to demand to come into my house. The bailiff had gone by then and did not return but I felt very intimidated and for a while found myself checking through the window before opening the front door.”

How awful that a person should not feel safe in their own home.