The judgment debt on the writ arises from a consumer credit agreement.

Bailiffs may not recover judgment debts arising from a consumer credit agreement using a High Court writ.^[1]

If you find a bailiff taking enforcement action to recover a consumer credit regulated debt using a High Court writ, then apply to set aside the writ,^[2] and you can apply for your costs,^[3] or if representing yourself as a litigant in person, you can recover your expenses and £19 an hour.^[4][5]

Consumer Credit regulated debts may only be enforced in the county court.^[6]

^{[1] Section 141(1) of the Consumer Credit Act 1974
[2] Civil Procedure Rule 83.7
[3] Civil Procedure Rule 44.2
[4] Civil Procedure Rule 46.5
[5] Practice Direction 46.5 Rule 3.1
[6] Section 141(2) of the Consumer Credit Act 1974}