Question Author
i travel to london and other areas in uk to work .
There are no bailiffs in NI; they stopped using them after PIRA and other assorted **** decided that they were 'legitimate targets'.
Instead, there is the Enforcement of Judgments Office (EJO). This is a far better (and modern) system, and is operated by the Courts Service. EJOs do not act like Bailiffs; instead, they will aim to negotiate payment at an affordable rate.
However, before EJOs can be involved, the creditor would first need to issue a court claim, and obtain judgment, and then you would have to fail to pay in accordance with that judgment. In short, the DCAicon is full of pish and wind.
Threatening action wihich cannot legally be taken is contrary to CPUTR 2008, and threatening action in the wrong jurisdiction is a breach of OFT Guidance.
You can safely ignore any threats of bailiffs made by a DCA. It's also worth noting that court claims for debt are less common in NI because the court system is far stricter - there's no equivalent to the Northampton Bulk Centre, and a claimant has to produce all the paperwork with their claim.