What happens if I have nothing for bailiffs to take?
At a glance
- Bailiffs cannot take basic household essentials like your cooker, fridge, bed, bedding, clothing or table and chairs.
- Tools, books or a vehicle you need for work are protected up to £1,350 in total.
- If there is nothing they are allowed to take, the bailiff usually returns the case to the creditor ('nulla bona').
- The debt does not disappear — but you can still agree an affordable plan.
Can bailiffs force their way in?
- For most debts (council tax, parking, credit cards) bailiffs cannot force entry on a first visit.
- You do not have to open the door. Speak through a window or the letterbox.
- Different rules apply to some debts such as criminal fines or unpaid tax.
What to do now
- Keep doors locked and do not sign anything you do not understand.
- Tell the bailiff company in writing if you or anyone at home is vulnerable — ill, disabled, elderly, pregnant or has young children.
- Write a short statement listing what you own and why it is exempt.
- Contact the creditor (for example the council) to offer a payment you can afford.
Common questions
- Can bailiffs take my TV?
- A TV is not on the list of protected essentials, so it may be taken if it is yours and has value. Items belonging to other people should not be taken.
- Will the debt be written off?
- Usually not. If the bailiff returns the case, the creditor may try other ways to collect, so it is worth agreeing a plan.
Useful links
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