Can bailiffs take this?
Pick the item you are worried about. See the general rule, the exceptions that protect it, and the evidence that can stop it being taken.
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The rules in short
Enforcement agents can only take goods that belong to the person who owes the debt and that are not exempt. Exempt goods include things you need for basic domestic life, work and study items up to a total of £1,350, and pets. Goods that belong to someone else — a partner, child, housemate or a finance company — cannot be taken for your debt, but you may need to show evidence.
If something protected is taken
Tell the enforcement company in writing straight away, with your evidence, and ask for the item back. The owner of goods taken wrongly can make a claim to them. Complain to the firm and to the creditor or council that instructed it. What bailiffs can take has the full detail.
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Common questions
Can bailiffs take my partner's things?
No, not if they belong only to your partner. Bailiffs can only take goods that belong to the person who owes the debt. Your partner may need to show receipts or other evidence.
Can bailiffs take my car if it's on finance?
Usually not. Until the final payment, a car on hire purchase or PCP normally belongs to the finance company. Show the agent your finance agreement.
Can bailiffs take my laptop?
If you need it for work, study or education it is protected within the £1,350 work exemption, and if it belongs to someone else it cannot be taken. Otherwise it is a non-essential item that can be taken.