Bailiff action is damaging your health
If enforcement action is having a severe impact on your mental health, then you can ask your doctor to complete a MALG Evidence form, and ask the council to consider a non-confrontational means of recovering the debt.
Then have a debt management professional to mediate the debt on your behalf. If a bailiff harasses or pesters you while repayments are progress in force and your doctor confirms that you health is at risk, you can apply for an injunction.
You may already be a vulnerable person for the purpose of civil enforcement
When your doctor has made a diagnosis of your mental impairment, you fall under the definition under section 1(1) of the Disability Discrimination Act 1995, which states:
This applies to any debt where the creditor is a council or government body: such as the enforcement of:
When specifying the grounds of the application, you must include:
Procedure
Template email giving the bailiff and the authority to cease and desist enforcement action on the grounds it is having a detrimental impact on your mental health.
Make a screenshot of the sent email to record the date and time it was givenThe Law:
Section 25 of the Disability Discrimination Act 1995 states:
(1)A claim by any person that another person—
(3)Proceedings in England and Wales shall be brought only in a county court.
(4)Proceedings in Scotland shall be brought only in a sheriff court.
(5)The remedies available in such proceedings are those which are available in the High Court or (as the case may be) the Court of Session.
(6)Part II of Schedule 3 makes further provision about the enforcement of this Part and about procedure.
(6A)Subsection (1) does not apply in relation to a claim by a person that another person—
(9)Section 17A(1A) to (7) and paragraphs 3 and 4 of Schedule 3 apply in relation to a complaint under subsection (8) as if it were a complaint under section 17A(1) (and paragraphs 6 to 8 of Schedule 3 do not apply in relation to such a complaint).