Owning your own home

Copy pasta from

https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/bailiffs/stopping-bailiffs/stopping-bailiffs-if-you-dont-owe-the-debt/

If you don’t owe the debt

You should act quickly to prove the debt isn’t yours - this can stop the bailiffs visiting.

If it’s someone else’s debt
Call the bailiffs - you can find their number on the notice of enforcement. It’s best to call them, as this is the quickest way to get in touch.

Tell them you’re not the person named on the notice of enforcement. Explain you’II send evidence to prove this. You should still do this even if the debt belongs to someone you live with - for example your partner or a housemate.

Ask them to put your case on hold while you’re sending in your evidence and they look into your case - they must do this if you ask.

If you’re worried about calling the bailiffs get help from your nearest Citizens Advice.

Evidence you should send

Send a letter to the bailiffs, you can find their address on the notice of enforcement. Say you don’t owe the debt and include evidence that shows you’re not the person named on the notice of enforcement. You could send any of these things:

a benefit letter from the last 3 months
your council tax bill from the last 3 months
your bank or building society statement from the last 3 months
It’s best to send copies of your documents not the originals.

You should also send a copy of your letter to the creditor. Doing this could help you get your problem sorted more quickly, this is because the creditor is the person that has asked the bailiffs to collect the debt.

You can find the creditor’s name on the notice of enforcement - use this to search online for their address.

Send your letter and evidence by recorded delivery if you can. Keep a copy of your letter and any reply you get in case you need it later.