Who we are
Bailiff Advice is operated by My Debt Plan Ltd
Bailiff Advice is a trading style of My Debt Plan Ltd. The website provides clear information about bailiff enforcement and allows people experiencing wider financial difficulties to speak with a UK-based adviser about whether an Individual Voluntary Arrangement may be suitable.
My Debt Plan Ltd provides IVAs only
My Debt Plan Ltd specialises in Individual Voluntary Arrangements and does not directly provide DROs, DMPs or other alternative debt solutions.
Further advice when an IVA is unsuitable
With your agreement, we can refer you free of charge to a trusted affiliate who can consider other possible options.
Individual advice from UK advisers
Financial fact-finds and personalised IVA advice are provided by advisers based in the United Kingdom.
Why we created Bailiff Advice
Making bailiff enforcement easier to understand
Bailiff letters and enforcement visits can be confusing and distressing. People are often unsure whether an enforcement agent can enter their home, take their car, list their belongings or add further fees.
Bailiff Advice was created to provide clear information about enforcement and help people understand the stage their case has reached.
Our website covers common enforcement documents, bailiff entry rights, vehicles, protected goods, Council Tax arrears, court judgments, controlled goods agreements and enforcement fees.
Where bailiff action forms part of a wider debt problem, a UK-based My Debt Plan adviser can complete an initial financial fact-find and consider whether an IVA may be suitable.
How we can help
Bailiff information and personalised IVA advice
The website provides general information about enforcement. Where you need help with a wider debt problem, My Debt Plan Ltd can assess whether an IVA may be suitable for your individual circumstances.
Bailiff information and guidance
- Understanding a Notice of Enforcement.
- Explaining warrants, writs and liability orders.
- Checking whether bailiffs can enter your home.
- Explaining which goods and vehicles may be at risk.
- Understanding controlled goods agreements.
- Explaining bailiff fees and enforcement stages.
- Identifying vulnerability and support needs.
IVA advice and suitability assessment
- An initial fact-find with a UK-based adviser.
- A review of your income, spending, assets and debts.
- An assessment of whether an IVA may be suitable.
- An explanation of how an IVA works.
- An explanation of the fees, risks and possible effects.
- No obligation to proceed after discussing an IVA.
- A free referral for further advice if an IVA is unsuitable.
What to expect
What happens when you contact Bailiff Advice?
We aim to make it clear who you are dealing with, why information is requested and what happens if an IVA is or is not suitable.
You submit an enquiry
You can complete the online form, request a callback, telephone us or send an email.
We identify your immediate concern
This may involve a bailiff letter, Council Tax arrears, a vehicle at risk or an expected enforcement visit.
A UK-based adviser contacts you
The adviser will explain that Bailiff Advice is a trading style of My Debt Plan Ltd.
An initial fact-find is completed
We ask about your income, essential spending, debts, assets and household circumstances.
IVA suitability is considered
The adviser explains whether an IVA may be appropriate and sets out its fees, risks and possible effects.
You decide what happens next
You can proceed with an IVA, decline to continue or agree to a free affiliate referral for further advice.
Our experience
Established experience providing Individual Voluntary Arrangements
My Debt Plan Ltd specialises in IVAs and has helped secure approval of more than 21,000 arrangements. Many more people have been referred for further advice where an IVA was not suitable.
Review figures were correct when this page was last reviewed and may change as new customer feedback is received.
IVA experience
My Debt Plan Ltd specialises in proposing and administering Individual Voluntary Arrangements.
UK-based advisers
Personalised financial fact-finds and IVA advice are provided by advisers located in the United Kingdom.
Further advice when needed
Customers can be referred free of charge to a trusted affiliate where an IVA is not suitable.
Professional oversight
Licensed Insolvency Practitioner
Lucy Novo Deakin is licensed to act as an Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association.
Advice about whether an IVA may be suitable is provided following an initial fact-find, tailored to the individual’s circumstances and given in reasonable contemplation of an insolvency appointment.
An IVA should not be recommended solely because somebody has received a bailiff letter. Income, expenditure, assets, debts, household requirements and the possible alternatives must all be considered.
Our people
UK-based advisers supported by a wider international team
My Debt Plan Ltd has team members located in the United Kingdom, India and South Africa. The different teams provide advice, administration, operational support and customer-service functions.
United Kingdom
Individual financial advice, IVA suitability assessments and customer fact-finds are provided by UK-based advisers.
India
Team members in India support the wider business through operational and administrative functions.
South Africa
Team members in South Africa also support wider business operations and customer service.
Our approach
Clear, confidential and non-judgmental support
Clear information
We aim to explain bailiff enforcement and IVAs without unnecessary jargon or confusing terminology.
Individual circumstances
IVA suitability should be based on the customer’s actual financial position and household requirements.
Non-judgmental conversations
People experience financial difficulty for many reasons. Our role is to understand the position rather than judge it.
Confidential support
Personal information is handled under our privacy and data protection procedures.
Transparent IVA fees
Initial advice is free. The fees associated with an IVA are explained before a customer decides whether to proceed.
Free affiliate referral
We do not charge the customer to refer them for further advice when an IVA is unsuitable.
What we provide
My Debt Plan Ltd provides Individual Voluntary Arrangements only
My Debt Plan Ltd specialises in IVAs. It does not directly provide Debt Relief Orders, Debt Management Plans, bankruptcy applications or other alternative debt solutions.
What My Debt Plan Ltd provides
- Information about Individual Voluntary Arrangements.
- An initial financial fact-find with a UK-based adviser.
- An assessment of whether an IVA may be suitable.
- An explanation of IVA advantages and disadvantages.
- An explanation of IVA fees and possible effects.
- Preparation of an IVA proposal where appropriate.
- Administration of an approved IVA.
What My Debt Plan Ltd does not directly provide
- Debt Relief Orders.
- Debt Management Plans.
- Bankruptcy application services.
- Administration Orders.
- Legal representation in court.
- Guaranteed cancellation of bailiff action.
- A single solution suitable for every customer.
When an IVA is not suitable
Free referral to a trusted affiliate for further advice
If an IVA does not appear suitable following the initial fact-find, we can refer you free of charge to a trusted affiliate who can assess your circumstances and consider other possible debt options.
How the referral works
- We explain that an IVA does not appear suitable.
- We ask whether you agree to an affiliate referral.
- There is no charge to you for us making the referral.
- The affiliate carries out its own assessment.
- The affiliate explains its own service and regulation.
- You decide whether you want to proceed.
Options the affiliate may consider
- A Debt Relief Order.
- A Debt Management Plan.
- Bankruptcy.
- Informal creditor arrangements.
- Direct negotiation with creditors.
- Other options appropriate to your circumstances.
Fees and transparency
Free initial IVA advice and no charge for an affiliate referral
There is no charge for discussing whether an IVA may be suitable, and there is no charge to you if we refer you to a trusted affiliate for further debt advice.
There is no charge for:
- Submitting the Bailiff Advice enquiry form.
- Receiving an initial telephone call.
- Completing an initial financial fact-find.
- Discussing whether an IVA may be suitable.
- Choosing not to proceed with an IVA.
- Being referred to a trusted affiliate.
Fees may apply if:
- You choose to proceed with an IVA.
- An IVA proposal is prepared and approved.
- The affiliate offers a separate service carrying fees.
- A court or government application has a statutory fee.
- You obtain a separate professional or legal service.
Concerned about bailiffs or problem debt?
Speak with a UK-based adviser about whether an IVA may be suitable. If it is not suitable, we can refer you free of charge for further debt advice.
Verified customer feedback
What My Debt Plan customers say
My Debt Plan Ltd has received more than 1,500 verified Feefo reviews and held a 4.9 out of 5 service rating when this page was last reviewed.
“I would highly recommend to anyone.”
Everyone involved was supportive, helpful, understanding and non-judgmental, and helped make the process feel easier.
“Excellent staff.”
The team put the customer at ease, explained the details and helped lift the worry they had felt before making contact.
“Thoughtful and understanding.”
The customer described the support as thoughtful and understanding and said it took a weight off their shoulders.
Company details
Bailiff Advice and My Debt Plan Ltd
Customers should be able to identify the legal company operating the website and verify the business information provided.
| Trading style | Bailiff Advice |
| Legal company | My Debt Plan Ltd |
| Service provided directly | Individual Voluntary Arrangements |
| Company number | 10992838 |
| Registered jurisdiction | England and Wales |
| Registered address | Alexandra Court, Carrs Road, Stockport, SK8 2JY |
| Data protection registration | Information Commissioner’s Office registration ZB284067 |
| Licensed Insolvency Practitioner | Lucy Novo Deakin, licensed by the Insolvency Practitioners Association |
| Telephone | 0161 826 1292 |
| info@bailiff-advice.uk | |
| Opening hours |
Monday to Thursday: 8am–8pm Friday to Saturday: 9am–4pm |
Verify My Debt Plan Ltd
View the company registration, filing history and registered office information.
Official registerFind an Insolvency Practitioner
Use the government service to verify licensed Insolvency Practitioners.
FeefoRead verified reviews
View current customer feedback and the latest My Debt Plan service rating.
Frequently asked questions
Questions about Bailiff Advice and My Debt Plan Ltd
Bailiff Advice is a trading style of My Debt Plan Ltd, a company registered in England and Wales under company number 10992838. When you contact Bailiff Advice, your enquiry is handled by My Debt Plan Ltd.
No. Bailiff Advice is a trading style of My Debt Plan Ltd. The website provides information about bailiff enforcement and gives people a way to speak with My Debt Plan Ltd about whether an Individual Voluntary Arrangement may be suitable.
My Debt Plan Ltd only provides Individual Voluntary Arrangements. It does not directly provide Debt Relief Orders, Debt Management Plans or other alternative debt solutions.
A UK-based adviser will discuss your circumstances and may complete an initial financial fact-find. The adviser can explain whether an IVA may be suitable, together with its fees, risks and possible effects.
If an IVA is not suitable, and with your agreement, My Debt Plan Ltd can refer you free of charge to a trusted affiliate for further debt advice. The affiliate may consider other options, such as a Debt Relief Order or Debt Management Plan.
No. My Debt Plan Ltd only provides Individual Voluntary Arrangements. A trusted affiliate may provide further advice about other options if an IVA is not suitable.
No. My Debt Plan Ltd does not charge you for making the referral. The affiliate will explain its own service, regulatory position and any fees that might apply before you decide whether to proceed.
No. A referral will only be made with your agreement. You are under no obligation to speak with the affiliate, accept its recommendation or enter any debt solution.
Yes. There is no charge for the initial fact-find or for discussing whether an IVA may be suitable. If you choose to proceed with an IVA, its fees will be explained before you make a decision.
Individual financial advice and fact-finds are provided by UK-based advisers. My Debt Plan Ltd also has operational and administrative team members located in the UK, India and South Africa.
Lucy Novo Deakin is licensed to act as an Insolvency Practitioner in the United Kingdom by the Insolvency Practitioners Association.
The website provides general information about bailiff enforcement. My Debt Plan Ltd provides personalised IVA advice following an initial fact-find. Specialist legal advice may be needed for court applications, legal disputes or representation.
No. Whether enforcement can be paused or stopped depends on the debt, enforcement stage, creditor and action taken. No outcome can be guaranteed before the individual circumstances have been assessed.
My Debt Plan Ltd has helped secure the approval of more than 21,000 Individual Voluntary Arrangements. Many more people have also been referred for further advice where an IVA was not suitable.
At the time this page was last reviewed, My Debt Plan Ltd had more than 1,500 verified Feefo reviews, a service rating of 4.9 out of 5 and an Exceptional classification.
My Debt Plan Ltd is registered with the Information Commissioner’s Office under registration number ZB284067. Personal information is handled in accordance with applicable data protection requirements and the company privacy policy.
You can call 0161 826 1292, email info@bailiff-advice.uk or request a callback through the online form. Telephone lines are open Monday to Thursday from 8am to 8pm and Friday to Saturday from 9am to 4pm.
Contact Bailiff Advice
Speak with a UK-based adviser about whether an IVA may be suitable.