Once in the house the bailiff has the right to go into all of the rooms, on an initial visit it would just be to list the items that they will be returning to remove later if the debt remains unpaid, or if an arrangement to repay the debt has not been agreed. If the bailiff gains peaceful entry he/she has the right to call again and enter even without your permission, i.e. he/she can break in and remove your goods. Bailiffs (except bailiffs acting on behalf of the magistrate's court - see below) cannot seize the following goods: tools, goods, vehicles and other items of equipment necessary for use by you in your employment, business or vocation; clothing, bedding, furniture, household equipment and provisions as are necessary for satisfying the basic domestic needs of you and your family.

Bailiffs acting on behalf of the magistrates' court cannot seize the following goods: clothing, beds and bedding tools of the trade basic domestic needs of the family would normally include essential household items such as fridge freezers, cookers, but may not include videos/DVD players /recorders, second TV's, jewellery, washing machines, stereos or microwave cookers.

This question was answered by Debt Advice Foundation, an independent UK debt advice charity. If you're looking for an alternative to Bankruptcy, Debt Advice Foundation provides a free, confidential helpline and can advise you of all your options. Click here to find out more.

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