Bailiffs trying to recover money you owe to HMRC are allowed to break into your home, providing they have a magistrates' warrant. Bailiffs recovering unpaid magistrates' court fines, however, do have the power to force entry. Doesn't the above from Kallis' link worry you though? Especially with the ...

http://www.telegraph.co.uk/news/newstopics/politics/3884561/Bailiffs-to-be-allowed-to-use-reasonable-force-against-homeowners.html http://www.timesonline.co.uk/tol/news/politics/article5375668.ece Whilst not in force yet, it probably soon will be. The second article also points out that it could be ...

Private bailiffs/collection agencies can employ "reasonable force"! Quite what they deem as "reasonable" is anybody's guess.

Good point, which is why it was still in my browser.

I meant this one: http://news.bbc.co.uk/1/hi/england/lanc ... 833530.stm

Thanks

Apologies - but it was a news article. Is this OK? http://news.bbc.co.uk/1/hi/uk/7855068.stm

If the partial access to the electoral role is stopped too, there will be more cases of mistaken identity. Plus, they also have rights to pin down debtors who kick-up a fuss! Scary.

*Sorry blue gorilla, you are not allowed to put advertising links on.*

Hear, hear!

I wouldn't worry as they will probably even out - some expenses have increased whilst others haven't. If you're renting i'm sure this probably hasn't changed.

Credit unions? What are these? Sorry - i'm a newbie!

Are there any creditors who do not impose this as a rule, or is it really down to the individual case?

Do all IVAS have one of the equity clauses?

Co-operative have been a nightmare for me too. Is this just their policy? I thought they were ethical!