What Is A Vulnerable Person’s Letter For Bailiffs?

The following blog post explains what a vulnerable person’s letter is, its role and importance and how it can be used if a bailiff visits the home of a vulnerable person. In addition to this, we will also explore the rights of vulnerable persons when they are visited by a bailiff and the steps they can take if the bailiff does not believe their condition to be true.

What Is A Vulnerable Person’s Letter For Bailiffs?

A vulnerable person’s letter for bailiffs is a letter confirming the condition of a vulnerable person so that they are treated appropriately when a bailiff or enforcement agent visits them for debt collection.

Below is a sample letter for reference:

Dear Sir/Madam,

I am writing this letter to you as a vulnerable person who is struggling to pay off my debts. I understand that I owe money to the company you are representing, but I am unable to make the full payment at this time.

I am currently facing several challenges that have made it difficult for me to keep up with my payments. I suffer from a chronic illness that requires constant medical attention and treatment. This has left me unable to work full-time, and I am only able to work part-time.

Due to my reduced income, I have been struggling to keep up with my financial obligations. I have been trying my best to make payments when I can, but it has not been enough to keep up with the interest and fees that have accumulated.

I am aware that as a bailiff, you have the legal authority to take action against me to collect the debt. However, I urge you to consider my situation and show some leniency towards me.

I am willing to work with you to come up with a payment plan that is manageable for me. I would appreciate it if you could take into account my medical condition and my financial difficulties when making any decisions about the collection of this debt.

Thank you for your understanding and cooperation.


[Your Name]

How Should Bailiffs Treat A Vulnerable Person?

Bailiffs must adhere to strict rules and guidelines when carrying out their duties, and they must take care to avoid causing distress or hardship to the people they are dealing with. This is especially important when dealing with vulnerable persons, who may be at risk of harm if the bailiff does not act with sensitivity and empathy.

When dealing with any person who may be vulnerable, a bailiff should use appropriate tactics and techniques to ensure that their welfare is not put at risk. This includes avoiding physical contact, using respectful language, and allowing extra time for the person to make payments or other arrangements.

Communication is key when a bailiff is dealing with a vulnerable person. The bailiff needs to take the time to understand the person’s situation. This can include asking what financial or other difficulties they’re facing and looking for ways to provide assistance or support.

The bailiff should demonstrate empathy and understanding of what the person is going through. This could include giving the person extra time for making payments or other arrangements, offering non-judgmental advice, or being patient.

Who Qualifies As A Vulnerable Person?

A person is classified as vulnerable if they are at greater risk of harm or distress due to their age, illness, disability, or other circumstances (for example, being under 18, pregnant or recently pregnant, or mentally impaired).

There are many vulnerable persons who a bailiff may come into contact with in the course of their job. These include young people under the age of 18, persons with physical and mental disabilities, persons with terminal illnesses, and persons suffering from mental health issues.

If the person is unable to communicate due to a disability or illness, they can provide the bailiff with a signed written statement of their situation. If they cannot do this, they can bring a friend, family member, social worker, or other support with them to help.

What Should A Vulnerable Do If A Bailiff Does Not Believe Them?

The first step to take if the bailiff does not believe the person is vulnerable is to provide evidence of the person’s vulnerability. This evidence might include medical documents, letters from doctors or social workers, or reports from psychological evaluations.

Making sure your bailiff treats you correctly when you are a vulnerable person can help to avoid stressful or intimidating situations. Here are 5 tips for ensuring your bailiff shows you respect and remains understanding:

  • Have a Support Person: Having an advocate present can help facilitate communication and provide impartial support for both parties.
  • Know Your Rights: Before speaking with your bailiff, familiarise yourself with the law and your legal rights. This will help ensure that the bailiff is following the correct guidelines.
  • Be Proactive: Be proactive in your conversations with the bailiff. Explain your circumstances and make sure the bailiff is aware of why you cannot pay the amount.
  • Visit the Courthouse: If necessary, you can bring the issue before the court. The bailiff may be more inclined to be understanding if they realise they are accountable.
  • Look for Alternatives: Before the situation progresses further, look for other ways to pay off your debt, as well as ways to avoid further fees and interest. This can help resolve the issue fairly and appropriately.

It’s also important to ensure that communication between the bailiff and the person in question remains respectful and non-judgmental. Although the bailiff might not believe the person is vulnerable, they should still acknowledge the person’s feelings and provide support.

However, if you are mistreated by a bailiff you complain about bailiffs or contact your local Citizens Advice centre.


The above article provides a sample vulnerable person’s letter and also explains how it can be used in case a bailiff or enforcement agent visits them. This letter can serve as evidence to prove to a bailiff that the person is challenged with a condition due to which they must be treated as is required in the case of vulnerable persons.


Sample Letter – Tell a bailiff that you are vulnerable

How bailiffs should treat you if you’re vulnerable – Citizens Advice

Bailiff powers when they visit your home: What you can do when a bailiff visits – GOV.UK