Pensioner Tells of Bailiff Harassment Over Surprise Council Tax Bill

Updated for 2026

The pressure of keeping up with council tax payments can be stressful, particularly given the ongoing cost of living squeeze affecting people up and down England and Wales.

You would think that paying regular instalments would be enough to keep the threat of enforcement agents from your door, but this was not the case for 72 year-old Ann Delaney of Prestwich, Greater Manchester.

The disabled pensioner complained about the conduct of a Birkenhead-based firm of enforcement agents, who sent her a series of late-night letters demanding an additional council tax bill of £255, despite the fact that she had managed to reduce her debt from £1,000 to £50 by making regular payments.

She was twice sent letters by the debt collectors, contracted to work as enforcement agents by Bury Council, after 10pm, leaving her feeling intimidated and powerless to do anything until the following morning. It is even claimed that the enforcement agents went as far as walking into her house and noting down what valuables she had in her possession.

An outraged Ms Delaney, who suffers from arthritis and severe back pain, said of her ordeal: “I wouldn’t wish it on my worst enemy.

“Fortunately I complained to the council and they cancelled the £255 payment and I have nearly settled my account.”

It was a change in personal circumstance that saw Ms Delaney fall into council tax debt, and since then she had been working to pay it off steadily.

However, enforcement agent involvement over the £255 bill resurfaced when they claimed the pensioner was four days late with a payment.

Ms Delaney remains adamant that she had successfully negotiated a repayment plan with the council, adding: “I paid every week without fail.”

What are your rights when enforcement agents visit?

Under the Taking Control of Goods Regulations 2014, which still govern enforcement agent conduct in England and Wales in 2026, there are strict rules about how and when enforcement agents can visit your property. They must carry formal identification, hold a valid county court certificate, and provide full details of the debt they are collecting.

Enforcement agents cannot force entry into your home for council tax debt on their first visit. They can only gain peaceful entry, which means walking through an unlocked door. If you do not let them in, they cannot break in.

If you feel an enforcement agent has acted improperly, you have the right to complain directly to your local council. Councils are required to review any action or fees if the circumstances warrant it.

Vulnerable residents deserve extra protection

Cases like Ms Delaney’s highlight the importance of vulnerability policies. Councils and enforcement companies across England and Wales are expected to follow the Local Government Association’s guidance on identifying and supporting vulnerable residents. If you have a disability, long-term illness, or mental health condition, enforcement action should be paused while your situation is assessed.

With council tax bills rising again in 2026, more households may find themselves struggling to keep up. If you fall behind, contact your council as early as possible to arrange a payment plan before the debt is passed to enforcement agents.

Get help with your council tax arrears

There is independent help and advice available if you are struggling with your council tax arrears or are concerned about enforcement agent action over unpaid council tax. Council Tax Advisors have helped thousands of people across England and Wales resolve their council tax issues, so do not hesitate to get in touch if you find yourself in a similar position.