Kindly advise. I have credit card loans. Can my creditors can have access to my home?

J Smith

The answer is no. Your creditors or their debt collectors certainly cannot enter your home without your permission. Certified court bailiffs do have certain powers, but these are subject to court judge issuing a warrant of execution. To get to that stage you would normally have been issued with a county court judgment. This advice relates to England and Wales and may be slightly different in Scotland. You can get more detailed advice on bailiffs relevant to wherever you live from the ‘Directgov’ website (www.direct.gov.uk) For you to ask such a question, you are clearly worried about your debts, so it sounds like you might need some expert help getting your finances back on track. There are a number of ways of dealing with unmanageable debt, depending on your particular circumstances. Don’t waste a moment. Contact Citizens Advice (www.adviceguide.org.uk), the Consumer Credit Counselling Service (www.cccs.co.uk) or National Debtline (www.nationaldebtline.co.uk) for free, professional, impartial guidance and help.