Have you ever experienced a bailiff at your door? If you have, there’s a good chance that you found it an overwhelming experience, even if the bailiff stuck to all the rules – though our advisors and clients consistently tell us that all too often this doesn’t happen. If you haven’t, just imagining the scenario feels daunting, and the truth is this scenario could happen to anyone.

You may have seen Kate Garraway talking about her experience of bailiffs, at a time in her life when health rather than finances was the main household concern, or Katherine Ryan speaking about how she was hounded by bailiffs for £10,000 worth of council tax debt – which she did not owe.

Considering this, it’s good to be able to report that after more than a decade of campaigning by StepChange and man

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