The Bailiff Is Recovering A Consumer Credit Regulated Debt

Section 141 of the Consumer Credit Act 1974 states that creditors may only pursue and enforce a debt that arose under a regulated consumer credit agreement in a County Court.

Bailiffs enforcing a High Court writ of control cannot lawfully recover debts that arose under a regulated consumer credit agreement. Such actions are considered improperly brought, allowing you to apply to transfer the claim back to the County Court.

Under the Consumer Credit Act 1974, these debts include amounts owed on credit cards, credit unions, personal loans, and overdrafts.

You can apply to set aside the Writ of Control and transfer the debt back to the County Court due to the enforcement breaching Section 141 of the Consumer Credit Act 1974, alongside a claim for your legal expenses, and will stop the enforcement and cancel the bailiff's fees and charges.