Swift Debt is a firm of bailiffs involved in debt recovery. They collect Council Tax arrears for local councils, debts for private companies and rent arrears in communities across the UK.
What Do Swift Insolvency Agenst Do?
Swift Insolvency Solutions mission is fairly simple. Swift claim to get you out of debt. They claim to place the financial well-being of its clients at the heart of everything they do. The types of Insolvency Solutions Swift provide include:
Individual Voluntary Arrangements (IVA)
An Individual Voluntary Arrangement is a debt solution to help people who owe at least £5,000 and are struggling to make payments, and have little prospect of repaying their debts in full. As part of the arrangement the person but be able to commit at least £90 per month, and also commit to regular payments (normally over 5 years).
Benefits of the Individual Voluntary Arrangement include some debt being written off, no more interests or added charges, protection from creditors and single, lower payments. The types of debt that can be included in IVA’s include Credit Card debt, Unsecured Personal Loans, Payday and Doorstep Loans, Overdrafts, CCJ Debts, Catalogue Debts, Council Tax Arrears, Gas, Electric & Water Arrears.
Count Court Administration Orders (CCAO)
An administration order is an option to deal with deal if there is a County Court Judgement against you and you can’t pay it in full.
Can Swift Insolvency Solutions Send Bailiffs to My House?
In some cases, if court action has been taken and your debts are still due then the courts may appoint Swift Bailiffs to recover property and assets to the value of the debt.
Can Swift Bailiffs Agents Break into My House?
The chances of Swift being able to enter your property are quite rare. They can only do this if a Liability Order has been issued against you by a magistrate on behalf of the local authority. If you are a business then there would need to be an unpaid fine from a Magistrate, County Court or High Court.
It is the law that enforcement agencies are only able to enter a property if they have been inside the property before. They are then able to use what is known as ‘reasonable force’ to re-enter. This could involve the use of a Locksmith to help them gain entry. They can only try and gain entry during the hours of 6am to 9pm.
What Can Swift Bailiffs Take?
There are restrictions on what can be removed from your property by bailiffs. If you have given them entry of they have gained entry by other means, then they can remove what is known as ‘Walking Possessions’. These are those which are subject to ‘Taking Control of Goods Regulations’. They will make an inventory of any of those possessions in your home and estimate the current value. You can enter into a ‘Controlled Goods Agreement’ with them which will give you time to pay the outstanding debt.
If you fail to pay them, then they can return to your property and remove items. There are certain items which Swift Insolvency Solutions bailiffs cannot take. These include essential items such as bedding, refrigerators, medical equipment, cookers and other items.