Understand who is contacting you, what authority they may have and what can happen during enforcement.
If you have received a Notice of Enforcement, been contacted by an enforcement company or are concerned that a bailiff may attend your home, understanding the type of debt and the stage of enforcement is important. Different enforcement routes can involve different legal powers and procedures, including rules concerning entry, vehicles, belongings and enforcement fees.
Establish who is contacting you and which debt is being enforced.
Identify the enforcement stage and the authority being relied upon.
Review notices, amounts, important dates and the circumstances surrounding the debt.
Access practical support and appropriately authorised professional help where required.
In England and Wales, the term “bailiff” is still commonly used, but “enforcement agent” is the terminology generally used for someone exercising enforcement powers under the modern taking-control-of-goods framework.
Enforcement agents may be used to enforce different types of unpaid debts, fines or court judgments. Depending on the enforcement route, they may have legal authority to attend premises and, where the relevant legal requirements are satisfied, take control of goods.
Not every person or company asking you to pay a debt is an enforcement agent. Understanding who is contacting you and the authority they are relying upon is therefore important.
A debt collector may contact you and seek repayment, but that alone does not give them statutory powers to take control of your belongings. An enforcement agent acting under an appropriate enforcement power can have additional legal powers, subject to the rules governing that particular enforcement process.
Different types of enforcement agent are used for different debts and legal processes. The documents you receive should help identify who is acting and the authority under which enforcement is taking place.
These agents hold a court-issued certificate allowing them to use the taking-control-of-goods procedure. They are commonly involved in enforcement relating to matters such as local authority debts and certain warrants.
High Court Enforcement Officers are authorised to enforce High Court writs. This can include enforcement of qualifying judgments that have been transferred to the High Court for enforcement.
Court bailiffs can carry out enforcement work on behalf of the courts. In debt cases, this can include enforcement of a County Court judgment where a warrant of control has been issued.
Magistrates' Court fines and certain warrants can involve civilian enforcement officers or Approved Enforcement Agents. This is a different enforcement route from an ordinary civil debt claim.
Both may contact somebody about money that is said to be owed, but their legal position is not the same.
Can contact you to seek repayment of a debt.
May discuss the account and possible repayment arrangements.
Does not gain statutory enforcement powers simply because it is collecting the debt.
Cannot simply take control of your goods as though they were an authorised enforcement agent.
Acts under a recognised enforcement power or process.
May have authority to attend premises in connection with enforcement.
May be able to take control of qualifying goods where the legal requirements are met.
Must operate within the rules and restrictions applying to the relevant enforcement procedure.
Ask for identification and establish the organisation they represent, the debt they say is being enforced and the authority they are acting under. Certificated enforcement agents can also be checked against the official Certificated Enforcement Agent Register.
Bailiffs or enforcement agents can become involved when there is legal authority allowing a debt, fine, judgment or other liability to be enforced. The route into enforcement depends on what is owed and how that liability is enforced.
A County Court judgment is one possible route, but it is not the only one. Council tax, certain parking penalties, court fines and other liabilities can reach enforcement through different statutory processes.
For an ordinary civil money judgment, a creditor may ask the court to enforce the judgment using a warrant or writ of control. Other debts can follow different legal routes. The important question is therefore not simply “Do I have a CCJ?” but “What debt is being enforced and what authority is being used?”
The examples below illustrate why it is important to identify the debt and the enforcement authority rather than assuming every bailiff case began in the same way.
If a court has ordered somebody to pay money and the judgment is not paid as ordered, the creditor can consider enforcement. One method is to apply for a warrant of control, which gives court enforcement agents authority to take control of goods in accordance with the applicable rules.
A CCJ does not automatically mean bailiffs will attend. Further enforcement action must be taken.Certain judgments can be enforced through the High Court. Where the relevant requirements are met, enforcement can proceed under a writ of control and be carried out through High Court enforcement.
High Court enforcement follows a different procedure from a County Court warrant of control.Local authority liabilities and certain penalties can have their own statutory enforcement processes. Enforcement agents can therefore become involved without the debt first following the ordinary County Court money-claim route.
The paperwork and enforcement authority can differ from an ordinary consumer debt or CCJ.Magistrates' Court fines and certain other liabilities can also lead to enforcement. These cases can involve different warrants, enforcement officers and statutory powers from those used to enforce an ordinary civil judgment.
This is why the type of debt should always be identified before assuming which rules apply.The exact legal steps differ, but formal enforcement generally requires more than somebody simply saying that money is owed. There must be an appropriate legal basis for the enforcement action being taken.
Identify what is said to be owed: judgment debt, council tax, penalty, fine or another liability.
Establish the warrant, writ, court process or statutory authority being relied upon.
Once the relevant authority exists, the applicable enforcement procedure can begin.
If somebody has a County Court judgment against them, the judgment records what the court has ordered. If it is not paid as ordered, the creditor may then consider enforcement. A warrant of control is one enforcement method, but other methods can include attachment of earnings, third-party debt orders and charging orders.
If you have received enforcement correspondence, check the creditor, the type of debt, any court or reference numbers, the enforcement company and the authority stated on the document. Those details can help establish which enforcement process you are dealing with.
A visit from an enforcement agent can feel urgent, but the rules about entering a home are more specific than many people assume.
In most circumstances, you do not have to open your door or voluntarily let an enforcement agent into your home. However, there are exceptions and the position can also change depending on the type of debt, the premises and what has happened previously.
For most ordinary enforcement visits to a residential property, an enforcement agent cannot simply push past you or force their way inside. Entry rules are subject to legal restrictions, and different rules can apply in particular circumstances.
Identification and authority can be shown through a window or passed through the letterbox.
GOV.UK sets out several important restrictions applying when enforcement agents visit a home. These are particularly important when deciding how to deal with somebody at the door.
An enforcement agent cannot normally use force to enter your home, for example by pushing past you at the doorway.
GOV.UK states that enforcement agents cannot enter a home through anything other than a door. The rules do not give an ordinary enforcement agent a general right to climb through a window.
GOV.UK states that enforcement agents cannot enter your home between 9pm and 6am under the usual rules.
An enforcement agent cannot enter the home where the only people present are children under 16 or vulnerable people. Additional safeguards can also be relevant where vulnerability is identified.
There is no safe blanket rule that an enforcement agent can “never” force entry. Different legal powers can apply depending on the debt, premises and enforcement history.
GOV.UK states that enforcement agents may be allowed to force entry to a home as a last resort when collecting certain unpaid criminal fines, Income Tax or Stamp Duty. The circumstances and legal authority matter.
Where an enforcement agent has previously entered premises and goods have been taken into control, different rules can apply to later entry or re-entry. Do not assume a previous visit has no effect on the legal position.
The rules applying to entry into commercial or other non-domestic premises can differ from those applying to somebody's home. The enforcement power and type of premises should therefore be checked.
Most ordinary residential enforcement does not give an enforcement agent a general power to break into your home. But specific statutory exceptions, previous entry and other circumstances can change the position. The underlying debt and enforcement authority should be identified.
Before making assumptions about what somebody can or cannot do, establish their identity, the debt they are enforcing and the authority under which they are acting.
Ask for proof of identity, the enforcement company they represent and a contact number. You can request this without opening the door.
Establish which creditor or authority is involved, what liability is being enforced and the amount said to be outstanding.
Look for the relevant warrant, writ, court reference or other enforcement authority. Different debts can follow different routes.
Check the notices already received, important dates, whether the debt or amount is disputed and whether any circumstances such as vulnerability may be relevant.
GOV.UK confirms that payment can be made to an enforcement agent at the doorstep without letting them into the home. If you make a payment, obtain a receipt and make sure you understand what the payment relates to.
Enforcement agents do not have an unrestricted right to take everything in a home. The law places limits on whose goods can be taken and which types of belongings are protected.
Generally, enforcement is directed at goods belonging to the person who owes the debt. Certain essential household belongings, qualifying work equipment and goods belonging solely to somebody else are protected.
Where the relevant enforcement power exists, an enforcement agent may take control of qualifying goods belonging to the debtor. However, legislation protects certain goods, including items needed to satisfy basic domestic needs and qualifying tools or equipment needed personally for work.
Ownership is important. Goods belonging solely to another person should not be taken to satisfy your debt.
The exact position depends on ownership, exemptions, value and the enforcement circumstances. Examples can include:
Items such as televisions, games consoles and other non-essential entertainment equipment may potentially be taken where they belong to the debtor.
Other valuable belongings that are not legally exempt may potentially be included in enforcement.
A vehicle belonging to the debtor may potentially be clamped or taken into control, including in some circumstances when it is outside the home.
Joint ownership does not necessarily prevent enforcement. The ownership position and the debtor's interest in the item need to be established.
Certain categories of property are protected from the ordinary taking-control-of-goods process.
Items required for basic domestic needs are protected. Examples include essential clothing, bedding and household equipment such as a cooker or refrigerator.
Tools, books, telephones, computers, vehicles and other equipment that are necessary for the debtor's personal use in their employment, business, trade, profession, study or education can be exempt up to the statutory aggregate value limit.
Goods belonging solely to another person — for example a partner's computer — should not be taken to satisfy the debtor's liability.
Goods that do not belong to the debtor, including items held under certain leasing, rental or hire-purchase arrangements, cannot ordinarily be taken as the debtor's goods.
Qualifying tools and other equipment necessary for the debtor's personal use in their employment, business, trade, profession, study or education are exempt where their aggregate value falls within the statutory £1,350 limit. The exemption is subject to the detailed statutory rules, so simply describing an item as a “work tool” does not automatically make it exempt.
The nature, necessity, ownership and value of the equipment can all matter.
An enforcement agent should not take goods belonging solely to somebody else. However, if ownership is disputed, evidence can become important.
Living at the same address does not automatically make somebody else's belongings yours. If an item belongs solely to a partner, relative, housemate or other person, ownership should be made clear.
Receipts, invoices, finance documentation, bank or card records and other evidence can help establish that an item belongs to somebody other than the debtor.
Jointly owned goods require more careful consideration. The fact that another person has an interest in an item does not necessarily mean that the debtor has no interest capable of being relevant to enforcement.
GOV.UK specifically notes that you may need to prove that goods belong to somebody else. If an enforcement agent identifies third-party property as belonging to the debtor, gather evidence of ownership and raise the issue promptly.
No. Taking control of goods does not necessarily mean that an item is physically removed during the first visit. Goods can be identified and placed under control while remaining at the premises, subject to the applicable enforcement procedure.
The enforcement agent identifies goods that may lawfully be taken into control.
In some cases goods remain at the property under a controlled goods arrangement rather than being removed immediately.
Where a controlled goods agreement is in place, failing to comply with its terms can lead to further enforcement action.
Depending on what happens next, controlled goods may ultimately be removed and sold in accordance with the enforcement procedure.
Vehicles require particular care because ownership, finance arrangements, disability exemptions, work use and where the vehicle is located can all affect the position. A vehicle may also potentially be taken into control without an enforcement agent first entering the home.
Received a Notice of Enforcement, enforcement company letter, High Court enforcement correspondence or another document relating to bailiff action? Upload the document to LetterChekr™ for a structured, plain-English explanation of what the document appears to be and the important information it contains.
Choose a PDF, JPG or PNG copy of the Notice of Enforcement, bailiff letter, enforcement company correspondence or other document you have received.
The tool looks for key information including the sender, amount, reference, dates or deadlines and the type of correspondence you appear to have received.
See what the document appears to mean, the important points identified from it and general information about possible next steps.
LetterChekr™ provides an automated explanation of uploaded correspondence. It can help you understand an enforcement document in plain English, but it does not determine whether enforcement action is legally valid and is not a substitute for regulated legal or financial advice.
Complete your details below and one of our consultants can discuss the correspondence with you, help organise the surrounding information and identify where specialist or regulated support may be required.
Enforcement does not usually begin with someone arriving at your door. There is a legal process behind taking control of goods, and understanding which stage has been reached can help you make sense of the letters, deadlines and action you are facing.
There must first be an underlying liability capable of enforcement. Depending on the type of debt, this might arise from a court judgment, council tax liability, court fine, tax debt or another legally enforceable obligation.
The creditor or relevant authority must have an enforcement power that allows the debt to be passed for enforcement. The exact authority depends on the type of debt and the legal route being used.
Before an enforcement agent normally takes control of goods, a formal Notice of Enforcement must be given. It should identify the debt, amount, enforcement power and how payment can be made. The statutory minimum notice period is generally 14 clear days before goods can be taken into control, subject to specific rules and exceptions.
The period before an enforcement visit is an important stage. Depending on the circumstances, this may provide an opportunity to establish what is owed, raise relevant issues, make payment, discuss an arrangement or obtain appropriate debt or legal advice before the matter progresses.
If the matter is not resolved during the compliance stage, an enforcement agent may attend the relevant premises. A visit can move the case into the enforcement stage and can result in additional statutory fees. The agent may seek payment and, where legally permitted, take control of qualifying goods.
Depending on the circumstances, the enforcement stage may result in payment, an agreed arrangement or qualifying goods being taken into control. Goods do not necessarily have to be physically removed immediately for an enforcement agent to take control of them.
If enforcement continues and goods that have been taken into control become subject to removal and sale, the case may progress to the sale or disposal stage. This is a later stage of enforcement and does not occur in every case.
If an enforcement company has added fees to the amount you owe, the figures below can help you understand which stage of enforcement those charges may relate to.
These are statutory enforcement fees charged within the enforcement process — they are not fees charged by Stop Your Debt UK.
The amounts shown in this section are statutory fees that may be added by enforcement agents as a case progresses through the taking control of goods process. Stop Your Debt UK is displaying them for information so you can better understand charges appearing on enforcement correspondence.
The statutory enforcement fee regime changed in May 2026, including increases to certain fixed enforcement fees and changes to the thresholds used when calculating applicable percentage fees. This is why figures shown on older debt and enforcement websites may differ from the current amounts shown below.
Potentially. A vehicle can be one of the most significant assets considered during enforcement, and an enforcement agent may be able to take control of a qualifying vehicle without first entering your home. Ownership, finance arrangements, how the vehicle is used and certain statutory exemptions can all affect the position.
You do not necessarily have to let an enforcement agent into your home before a vehicle becomes relevant to enforcement. GOV.UK specifically warns that if an enforcement agent is not allowed into the property, they may still be able to take goods outside the home — including a car. Whether a particular vehicle can lawfully be taken depends on the circumstances.
Enforcement agents are not simply entitled to take any vehicle associated with the address. Establish who owns the vehicle, whether it is jointly owned and whether any finance, exemption or other restriction applies.
Taking control of goods does not always mean immediately loading a vehicle onto a recovery truck. Depending on the circumstances, an enforcement agent may secure a qualifying vehicle, including by immobilising it.
If the enforcement process continues, a vehicle that has lawfully been taken into control may potentially progress towards removal and sale.
The enforcement agent identifies a vehicle they believe may belong to the debtor and be available for enforcement.
Whether the vehicle belongs to the debtor, is subject to a finance arrangement or falls within a statutory exemption can materially affect whether it may be taken.
Where permitted, the vehicle may be immobilised or otherwise brought under the enforcement agent's control.
If the matter remains unresolved and the legal requirements are satisfied, the enforcement process can potentially progress towards removal and sale.
Before assuming that a car can — or cannot — be taken, establish the legal and practical position surrounding that particular vehicle.
A vehicle belonging to the debtor can potentially be taken into control if no applicable exemption or other restriction prevents enforcement against it.
Its location can also matter. A car outside the home may potentially be dealt with without an enforcement agent first gaining entry to the house.
Potentially Available for EnforcementEnforcement agents cannot simply take goods belonging solely to somebody other than the debtor. If a vehicle belongs to a partner, relative, employer or another third party, evidence of ownership may become important.
GOV.UK notes that where goods are said to belong to somebody else, you may need to prove that ownership.
Evidence of Ownership May Be NeededDo not assume that having a vehicle on finance automatically means every enforcement question is resolved. The type of agreement and legal ownership of the vehicle need to be established.
HMCTS guidance for warrants of control states that goods that are leased, rented or subject to hire purchase agreements — including cars — cannot be taken. If a vehicle is subject to an agreement, keep the relevant finance or lease documentation available.
Check the Agreement & OwnershipThe Taking Control of Goods Regulations provide a specific exemption for a vehicle displaying a valid disabled person's badge where it is used for — or there are reasonable grounds for believing it is used for — carrying a disabled person.
The precise circumstances matter, so relevant evidence should be raised promptly if an exempt vehicle has been identified during enforcement.
Specific Statutory ProtectionThe regulations provide an exemption for certain items and equipment necessary for the debtor's personal use in their employment, business, trade, profession, study or education. A vehicle can fall within this category, but the protection is subject to a value limit and other statutory rules.
The £1,350 figure is not simply a general exemption for any car that happens to be used for travelling to work. The statutory test concerns items or equipment that are necessary for use personally by the debtor in their employment, business, trade, profession, study or education.
The £1,350 limit applies to the aggregate value of the items or equipment to which this exemption is being applied, rather than automatically protecting a vehicle of any value.
If an enforcement agent has clamped, secured or identified a vehicle, establish the position quickly. Do not assume that moving, selling, hiding or interfering with a vehicle after it has been taken into control is an appropriate solution.
Check the enforcement company, the debt being enforced, the reference number and the authority being relied upon.
Determine who actually owns the vehicle. Registration information can be useful, but other documents such as purchase records, finance agreements and payment evidence may also be relevant.
Consider whether the vehicle is being relied upon as necessary work equipment or whether a specific statutory protection, such as the disabled-person vehicle exemption, may apply.
Keep relevant ownership, finance, employment, disability or other documents available if the enforcement agent's understanding of the vehicle is disputed.
If you believe the vehicle belongs to somebody else or is exempt from enforcement, raise the issue promptly with the enforcement company and obtain appropriate advice where necessary.
If a vehicle has been immobilised or taken into control, do not attempt to defeat the enforcement process by removing a clamp, concealing the vehicle or disposing of controlled goods. If you believe the vehicle should not have been taken into control, raise the ownership, exemption or procedural issue through the appropriate route instead.
Health, disability, bereavement, pregnancy, communication difficulties and other personal circumstances can affect how somebody is able to understand or deal with enforcement. If an enforcement company does not know about those circumstances, it is important to tell them as early as possible.
Ministry of Justice standards recognise that enforcement agents, enforcement agencies and creditors all have a role in protecting vulnerable and socially excluded people. Appropriate discretion should be used where there is potential cause for concern, and individual circumstances should be considered rather than assuming that every enforcement case can be handled in exactly the same way.
It may affect how enforcement is approached, whether additional time or assistance is appropriate and what safeguards should be considered. It does not, by itself, mean that the underlying debt disappears or that all enforcement must permanently stop.
Vulnerability should be considered in context. A person's circumstances may affect their ability to understand correspondence, communicate with an enforcement company, make decisions, manage money or cope with an enforcement visit.
Ministry of Justice standards identify a number of circumstances in which somebody may potentially be vulnerable, while recognising that judgment and discretion are required in individual cases.
A physical or mental health condition, disability, serious illness or frailty may affect how someone is able to engage with enforcement.
Recent bereavement and pregnancy are among the circumstances identified in the Ministry of Justice National Standards as potential indicators of vulnerability.
Difficulty understanding, speaking or reading English, impaired sight or other communication needs may require additional assistance or an adjusted approach.
The National Standards also identify circumstances including older age, unemployment and single-parent families as situations that may indicate potential vulnerability.
The appropriate response depends on the circumstances. Vulnerability is not a single legal switch that automatically ends enforcement, but it can require additional consideration, discretion and support.
GOV.UK states that a vulnerable person may be able to obtain extra time to make a payment or get debt advice. The appropriate response will depend on the circumstances and enforcement route.
The Ministry of Justice National Standards expect appropriate discretion where there is potential cause for concern. Relevant circumstances may need to be considered by the enforcement agent, enforcement company and creditor.
GOV.UK states that enforcement agents cannot enter a home where only children under 16 or vulnerable people — for example, people with disabilities — are present.
The underlying debt or liability may still remain enforceable. The issue is whether the person's circumstances require a different approach, additional time, assistance, reasonable adjustments, referral back to the creditor or another appropriate safeguard. The outcome depends on the individual case.
Do not assume that an enforcement company already knows about your circumstances. Explain the situation clearly and provide relevant information where appropriate.
Explain the circumstances that may make you vulnerable and how they affect your ability to understand, communicate with or respond to the enforcement process.
Where relevant, explain whether you require additional time, an alternative method of communication, assistance from another person or an opportunity to obtain debt or legal advice.
Depending on the circumstances, supporting information may help the enforcement company understand the position. Only provide information that is relevant to the issue being raised.
Keep copies of emails, letters and supporting information, and make a note of relevant telephone conversations, dates and the people you spoke to.
If you are unsure about the debt, enforcement powers or how your circumstances should be considered, obtain appropriate debt or legal advice as early as possible.
If vulnerability may affect your ability to deal with enforcement, raising it during the compliance stage can give the enforcement company and creditor an opportunity to consider the circumstances before the matter progresses further. If enforcement has already reached the visit stage, you can still explain the circumstances and ask that they are considered.
Bailiff involvement can feel urgent, but the most useful starting point is to establish exactly what is happening. Identify the enforcement agent, understand the debt and enforcement stage, gather the correspondence and raise any relevant ownership, vulnerability or procedural issues as early as possible.
The appropriate response depends on the debt, who is enforcing it, the legal authority being used and how far the enforcement process has progressed. A Notice of Enforcement requires a different response from an enforcement agent already attending your property or goods already being taken into control.
The earlier you identify the enforcement position, the easier it is to understand what deadlines, documents, payment options or professional support may be relevant.
These steps are designed to help organise the information in front of you. They do not replace personalised debt or legal advice where that is required.
Establish the enforcement agent's identity, the organisation they represent and their contact details. Ask what authority they are acting under. Where relevant, a certificated enforcement agent can be checked against the official register.
Check who the original creditor or authority is, what the debt relates to, the amount being claimed and any court, council, penalty, judgment, warrant or enforcement reference numbers shown on the paperwork.
Establish whether you have received a Notice of Enforcement, whether the case is still at the compliance stage, whether an enforcement visit has taken place or whether goods have already been taken into control.
Ask for a detailed breakdown if the balance is unclear. Separate the underlying debt from statutory enforcement fees and any other costs being claimed, and identify which enforcement stage those fees are said to relate to.
If there is an issue concerning vulnerability, ownership of goods, a vehicle, finance arrangements, previous payment, the identity of the debtor or another material fact, raise it promptly and keep supporting evidence where appropriate.
Depending on the circumstances, the next step may involve payment, discussing an affordable arrangement, raising a factual or procedural issue, making a complaint or obtaining appropriately authorised debt or legal advice. The correct route depends on the individual enforcement case.
Enforcement paperwork can contain several different references, balances and dates. Bringing the important information together makes it easier to understand what has happened and what may need attention next.
Keep the complete notice, including dates, amounts, references and payment information.
Gather earlier creditor, council, court, enforcement or High Court correspondence connected with the debt.
Identify the underlying balance and the enforcement fees or additional costs that have been added.
Keep receipts, bank records or other evidence of payments already made that may be relevant to the balance.
Where relevant, retain documents supporting third-party ownership, finance arrangements, vulnerability or another issue you need the enforcement company to consider.
Ignoring a Notice of Enforcement does not normally make the enforcement process disappear. If the matter progresses, an enforcement visit and further statutory fees may follow. Understanding the notice early can give you more time to establish the position and consider the appropriate response.
Rules concerning entry, ownership, exempt goods, work equipment, vehicles and vulnerability can all be relevant. If there is a genuine issue, gather the evidence and raise it through the appropriate route rather than attempting to obstruct the enforcement process.
GOV.UK provides complaint routes for enforcement agents. The appropriate route depends on the type of enforcement agent and who they are working for. Keep records and supporting evidence if you believe there has been a problem.
Check the fee breakdown and which statutory enforcement stage is being relied upon.
Gather evidence showing ownership and raise the issue promptly with the enforcement company.
Record what happened, including dates, times, names and relevant communication or evidence.
Keep evidence of what was disclosed, when it was disclosed and the response received.
Stop Your Debt UK can help you organise the correspondence and information surrounding your situation, understand the general stage the matter appears to have reached and support permitted administration and case coordination.
Where regulated debt advice, legal advice or another regulated or reserved activity is required, we can help connect the case with an appropriately authorised third-party professional.
Start with the documents, the debt and the enforcement stage. From there, the appropriate support route can be identified without making assumptions about the outcome.
If you have received a Notice of Enforcement, an enforcement agent has contacted you or you are concerned about a possible visit, start by understanding the documents, the debt and the stage the enforcement process has reached. Stop Your Debt UK can help you organise the information and identify an appropriate support route.
Stop Your Debt UK provides information, practical support, administration and case coordination. Stop Your Debt UK is not an FCA-authorised debt advice firm or an SRA-regulated law firm. Where regulated debt advice, legal advice, formal insolvency services or another regulated or reserved activity is required, the relevant work is undertaken by an appropriately authorised third-party professional. The information provided on this website is general information and should not be treated as personalised legal or financial advice.