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leigh04

General Q re: Vulnerability and DCA's/Bailiffs

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Say you have a child who is statemented and goes to a special needs school and receives D.L.A and the parent gets carers allowance can you class it as being in a vulnerable situation and the DCA'S/BAILIFFS have to take this into account.

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you are WRONG to link DCA's and bailiffs

they are not the same

 

vunerability is recognised by bailiffs

 

DCA wont give a damn

 

tell us the story.

 

dx


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No story dx, so its just bailiffs that take vulnerability into account if so does the above class as 'vulnerability'?

I was just wondering as I hadn't heard of it before until reading cag

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i would say no as you are not the one who is classed as vulnerable.


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Oh right but from what I have read I thought it was the whole household covered if you had someone vulnerable. Correct me if I'm wrong.

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here is a sinerio for you.

 

i am vulnerable but my partner who i have been dateing for 1 year has job gets paid £20,000 , could she claim she is vulnerable because of me ? now then that to me would be useing sombodys misfurtune to benifit yourself not good


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The vulnerable person is protected, the carerer of such a person eg disabled child may also have protection I think.


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urm...

 

under bailiff rules

the household is vunerable and all in it...

 

Department for Constitutional Affairs - Enforcement - National Standards for Enforcement Agents

.

Vulnerable situations

Enforcement agents/agencies and creditors must recognise that they each have a role in ensuring that the vulnerable and socially excluded are protected and that the recovery process includes procedures agreed between the agent/agency and creditor about how such situations should be dealt with. The appropriate use of discretion is essential in every case and no amount of guidance could cover every situation, therefore the agent has a duty to contact the creditor and report the circumstances in situations where there is evidence of a potential cause for concern. If necessary, the enforcement agent will advise the creditor if further action is appropriate. The exercise of appropriate discretion is needed, not only to protect the debtor, but also the enforcement agent who should avoid taking action which could lead to accusations of inappropriate behaviour.

Enforcement agents must withdraw from domestic premises if the only person present is, or appears to be, under the age of 18; they can ask when the debtor will be home - if appropriate.

Enforcement agents must withdraw without making enquiries if the only persons present are children who appear to be under the age of 12.

Wherever possible, enforcement agents should have arrangements in place for rapidly accessing translation services when these are needed, and provide on request information in large print or in Braille for debtors with impaired sight.

Those who might be potentially vulnerable include:

'

the elderly;

'

people with a disability;

'

the seriously ill;

'

the recently bereaved;

'

single parent families;

'

pregnant women;

'

unemployed people; and,

'

those who have obvious difficulty in understanding, speaking or reading English.

 

this applies to the whole HOUSEHOLD 'a' vunerable person resides there.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I was thinking general debt collection not enforcement, thought there was some differences.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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