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Know your bailiff

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BAILIFFS have recently been granted new powers. However, how many of us are aware of their rights when they hear that knockCitzens Advice Bureau on the door? Here’s a quick summary of the different types of bailiff and debt collectors you might encounter, what they are allowed to do, and who to contact for help and advice.

Certified Enforcement Agents are appointed by the Magistrates Courts (CHECK). Under the Tribunals, Courts and Enforcements Act of 2007, they have certain powers to enter properties and to seize goods. Certified Enforcement Agents are either officers of the Courts, or private contracted firms. They deal with debts relating to: Council Tax; High and County Court Judgements; Magistrates Court fines and Compensation Orders; parking penalties; child support; income tax; National Insurance; VAT, and business rent. If your debt is not from one of these, it’s probably not a Certified Enforcement Agent.

Enforcement Agents can only force their way into your house if they have applied to the court for a Paragraph 15 warrant of entry. This only applies in law with unpaid criminal court fines. They cannot remove goods in your absence unless you have signed a compliant regulation 15 controlled goods agreement with those goods listed on it.

Agents can enter your house through an unlocked door. They cannot force their way past you, or enter the house when only children or vulnerable people are present, or at night. They must only enter through a door. If you don’t let them in, they are entitled to seize property outside your house, for example a car.

If you do not owe money to any of the above, or have not received notice that the bailiff is visiting, you are probably dealing with a debt collector. Always ask to see identification. Debt collectors have none of the powers discussed above, and if they try to convince you that they are a bailiff, or have the right to enter your home, they are committing an offence.

The new regulations concerning bailiffs have led to some confusion and disagreements locally. The Herald understands that the police were called to the Mount Estate in Milford Haven last week, after reports of an altercation between a bailiff and a local resident.

According to witnesses, on Thursday (Feb 5) the bailiff entered through the patio doors of a property in the Birch Mead area of the Mount before the argument took place. A Police spokesperson confirmed that officers had visited the Estate following ‘a request for assistance.’ However, no injuries were reported, and no arrests were made.

If you need more detailed advice on bailiffs, contact the Citizens Advice Bureau on 0844 477 2020. They will contact you within 48 hours. Alternatively, check their website www.adviceguide. org.uk for details of local drop-in sessions. To complain about a Certified Enforcement Agent, download a form from www.gov. uk

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Charity

Women take on Three Peaks Challenge to support mental health services

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TEN inspirational women are set to tackle the iconic National Three Peaks Challenge on June 7, 2025, to raise vital funds for PATH – Pembrokeshire Action for the Homeless.

Motivated by the support they received through free counselling provided by Pathway Counselling, these women are embarking on this ambitious challenge to help fund mental health services offered by the charity.

The gruelling challenge, organised by Lucy Brazier with the support of Aspire Fitness and Charlotte Neill, will see the group climb the three highest peaks in the UK – Ben Nevis in Scotland (1,345m), Scafell Pike in England (978m), and Snowdon in Wales (1,085m) – all within a 24-hour timeframe. In total, the event involves 23 miles of walking and 450 miles of driving between the mountains.

Lucy Brazier, the organiser, expressed the group’s determination to succeed in this challenge, stating: “We are doing this to give back to the services that helped us through difficult times. Mental health support is crucial, and we hope our efforts will make a difference to others who need help.”

The challenge is not just a test of physical endurance but also a significant fundraising effort. Donations can be made through the group’s JustGiving page at www.justgiving.com/page/nationalthreepeaks.

PATH has been instrumental in supporting individuals struggling with homelessness and mental health issues across Pembrokeshire. The funds raised will ensure the continuation of essential services that positively impact lives.

The team is calling on the community to rally behind them and support their mission. Every donation, no matter how small, will help them reach their goal and make a difference.

For more updates on the challenge and to show your support, visit the JustGiving page and follow PATH’s social media channels.

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Senedd debates UK Government’s ‘disastrous’ first six months

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THE CONSERVATIVES criticised the UK Government’s record six months on from the general election, accusing Labour of doing “not a dickie bird” to stand up for Wales.

Darren Millar, leader of the Tories in the Senedd, said people were told Labour governments at both ends of the M4 would be great for Wales in the run up to July’s election.

But he warned: “What we’ve actually ended up with is a double whammy: broken promises and failing policies … alongside a passive, silent Labour Welsh Government unwilling to offer a squeak of criticism or lift a finger to defend the interests of the people of Wales.”

Leading a Tory debate, he said the new UK Government has hit farmers with inheritance tax, taken winter fuel allowance from pensioners and hiked national insurance for businesses. 

Mr Millar told the Senedd that Welsh railways remain underfunded as he accused Labour of settling for “scraps” despite previously calling for billions of pounds from HS2.

Peter Fox, the Tory shadow rural affairs secretary, warned farmers have to deal with Labour governments “who either do not care or do not understand the needs of rural communities”. 

Mr Fox, a farmer and former council leader who represented Monmouth since 2021, criticised changes to agricultural property relief by the UK Government.

“It’s not a loophole,” he said. “It’s a carefully designed policy … to protect Britain’s family farms from being broken up.”

His colleague Natasha Asghar, who represents South Wales East, described a -45% approval rating for Keir Starmer’s government as “a tad generous”.

She said: “If this is just what the first six months of Sir Keir’s premiership look like, I sincerely dread to imagine what the next six months have in store for all of us.”

Mark Drakeford said the Conservative motion in front of the Senedd concentrated entirely on matters outside the Welsh Parliament’s responsibility.

Following the debate on January 15, Senedd members voted 26-24 against the motion with Labour’s amended version agreed by the same margin.

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Welsh Government ‘in the dark’ on £109m tax rise cash

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THE WELSH GOVERNMENT remains in the dark about how much Wales will receive to cover the estimated £109m cost of tax rises in the public sector, a committee heard.

Jayne Bryant said the UK Government has confirmed it will provide funding to public-sector employers towards the increased cost of national insurance contributions from April.

But Wales’ local government secretary said ministers expect to receive additional funding in ‘late spring’ and have not yet received confirmation of how much Wales will receive.

Plaid Cymru’s Siân Gwenllian raised concerns about the impact of tax hikes as the Senedd’s local government committee scrutinised Welsh ministers’ 2025/26 spending plans.

Judith Cole, deputy director of council finance policy, said the Welsh Government estimates the cost of the tax hike to the public sector in Wales at £109m.

Asked how funding will be divided between councils, Ms Cole said the standard funding formula could be used or it may be based on a proportion of spending as in England.

But she stressed that other factors need to be taken into account because, for example, some councils will provide more services by directly employed staff.

Reg Kilpatrick, director of local government, added: “We’re entirely dependent on the negotiations between the cabinet secretary for finance and the UK treasury.”

Ms Gwenllian warned of the impact of tax hikes on the voluntary sector and outsourced services, piling more pressure on council budgets.

She said: “I’ve spoken with three councils … but one said that this will cost an additional £2m in terms of internal salaries but £2.5m in terms of the work that is commissioned.

“Another council said £5.4m on the internal, £2.8m on the work that is outsourced – another said £8m internal and £3m on the outsourced work. There is a lot of work commissioned beyond the local authorities themselves and there is no mention of any support.”

Giving evidence on January 15, Ms Bryant said the UK Government has confirmed it will use the Office for National Statistics definition of a public sector worker.

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