Contribution
I thank the hon. Member for his eloquent words about what is often the most challenging moment in people’s lives. That knock on the door is a cacophony of everything that they are facing, and we have to bear that in mind.
The Enforcement Conduct Board voluntarily regulates approximately 95% of the bailiff sector. However, the 5% who refuse to sign up are responsible, in my view, for the vast majority of the worst abuses. Even within the voluntarily regulated sector, problems persist. With hundreds of thousands of visits, millions of cases and billions collected annually, bailiff enforcement is a massive operation, but according to Citizens Advice, one in three people who have had contact with a bailiff have experienced behaviour that breaks Ministry of Justice rules. Even among regulated bailiffs, 1% of visits were deemed aggressive by the ECB in recent research.
We need a fair, proportionate and efficient collection system, which is why I am calling on my hon. Friend the Minister to set out a timetable to consult on legislation to introduce statutory regulation of the sector. I call on her to put the ECB on a statutory footing—something that charities and the ECB alike support. The fact that the sector is partially unregulated drives rogue bailiffs. I hope I can convince colleagues from across the House of the need for this change. There were some reforms under the May Government, but this is our chance, as a Labour Government, to stop rogue bailiffs for good.
I turn to the link between debt and mental health. Debt does not exist in a vacuum; many people facing bailiff action are also dealing with illness, relationship breakdown or mental health struggles. One person shared their experience of over five years of pressure from bailiffs over council tax debt that they never understood and could not afford. That ultimately led to suicide attempts.
I struggled with whether to mention suicide today, but we cannot ignore these cases. Take the case of Jerome Rogers, a young man whose debt spiralled after bailiffs clamped the motorcycle he needed to work. Shortly afterwards, he took his own life. The coroner identified the debt collection agency’s actions as a contributing factor to his death.
A woman recounted how a bailiff laughed and mocked her when she mentioned her mental health struggles. And Molly, whose name I have changed, was falsely threatened with prison if she did not grant entry to a bailiff—not a permissible threat, by the way. The stress triggered flashbacks of domestic abuse that she had suffered. I know my hon. Friend the Minister does terrific work on that.
Another victim, Poppy—also not her real name—suffered such severe anxiety over bailiff debt collection practices that she had a late-term abortion due to the stress of the situation. These are real stories, and there are so many more. For too long, rogue bailiffs have not met standards when it comes to vulnerability. That is why I dedicate my campaign for bailiff reform to the victims.
The effects of aggressive bailiff practices extend to children. One parent described how bailiffs had knocked so many times that they were left with nothing to take except their young daughter’s cot. It is simply unacceptable for children to live in fear due to a lack of regulation in the bailiff sector.
As a former regulator at the Financial Conduct Authority, I understand the importance of setting clear standards. The last significant changes to bailiff regulations were introduced over a decade ago. It is time for an overhaul.
The Enforcement Conduct Board was established in 2021. It provides guidance but lacks statutory authority. Many firms voluntarily comply, but the absence of legal enforcement means that rogue bailiffs continue to operate with relative impunity. We must introduce statutory regulation to protect vulnerable customers, reduce the burden on the judicial system, improve transparency and provide a level playing field for the genuinely good bailiffs out there. Better standards would level the playing field and support good professional bailiffs to do their work.