Bailiffs: Regulatory Reform

Marie Rimmer Excerpts

Wednesday 9th January 2019 Westminster Hall

[Ms Marie Rimmer (St Helens South and Whiston) (Lab)]

It is a pleasure to serve under your chairmanship, Mr Evans, and to follow speeches on the important matters raised. I pay tribute to my hon. Friend the Member for Wolverhampton North East (Emma Reynolds) for securing the debate. As we have heard, rogue bailiffs are a blight on the lives of some of the most vulnerable people in our society, and the issue affects those with debt from household bills rather than from consumer credit. People who are struggling to pay their council tax or energy bills—the essentials in life—are having increasing problems with bailiffs.

There are serious, structural problems with how some bailiffs operate, and are allowed to operate, and 850,000 people contacted by bailiffs in the past two years have experienced law breaking. As my hon. Friend the Member for Makerfield (Yvonne Fovargue) said, just 56 complaints have been launched with Her Majesty’s Courts and Tribunal Service. The complaints system is not fit for purpose and lacks teeth. When someone complains directly to a firm, there are no statutory guidelines about how complaints should be reviewed, or about the sanctions or compensation that should result. The process is long-winded, confusing and inaccessible, and rarely leads to any real consequences for the bailiff involved. However, rule breaking by bailiffs has consequences for those they contact. Refusal to accept affordable payment offers is a huge problem—almost one in four people contacted by bailiffs in the past two years had an affordable payment offer rejected.

My constituency suffers from income poverty and has one of the highest levels of suicide. There are also high levels of prescriptions for anti-depressants. One of my constituents, a 65-year-old woman, has already had her personal independence payment stopped and is subject to the bedroom tax. Her gas supply has been capped and she has rent arrears, and has received an offer from the housing association. She now has to pay back a council tax debt at an amount that is simply unaffordable to her. After bailiffs knocked at her door, she was frightened and agreed on the spot to pay the amount suggested. This woman sleeps on a couch—she does not own a bed. As a direct result of bailiff action, my constituent’s mental and physical health has deteriorated.

Almost two in five of those contacted by bailiffs in the last two years experienced some sort of intimidation. I call on the Minister to act as quickly as possible and to take steps to alleviate the problems faced by my constituents and those who are suffering across the country.