So if you want to get technical over what was signed when they list goods it is legally called a "Controlled Goods Agreement". Then you are telling the OP to ignore the link I provided which is from The Sheriff's Office High Court Enforcement Officers & Certificated Enforcement Agents (Bailiffs) these are the people that enforce these court warrants: http://thesheriffsoffice.com/articles/controlled-goods-agreement If you ignore them they will keep coming round at various times of day. Catelogue debt can be enforced at anytime like any other debt. The OP would have had plenty of letters from the Catelogue Company, Lowell Financial, Lowell Financial 1 & 2, there socilitors Fredrickson and the the OP chose to ignore them. The OP then would have received letters from the Court to say there was a court case with a income and expenditure form included and what has happened in this instance the case was in favour of the Catelogue company because the OP ignored the letter and failed to turn up at court and a CCJ issued and they would have written to the OP to tell her how much to pay to abide to the CCJ. The Balliff originally came out because she broke the CCJ agreement to list goods of value on a "Controlled Goods Agreement" and they came to a payment agreement (the debt would technically be calimed as being admitted to when the controlled goods agreement was signed) with the OP to pay so much a month. She refused to pay and then as we know from what the OP has said the Balliffs kept coming back to the OPs address to execute the writ of procession. They do give up after a while but the debt don't go away it goes back to court. The Court issue another warrant of procession this time and you will find this time they will ask you to pay in full or removal of goods listed on the old warrant (if you don't have these goods anymore you will be in contempt of court as they were not yours to sell or dispose of because you signed a Controlled Goods Agreement this means technically these goods belong to the courts until you pay the debt off). Failure this time of the Balliffs gaining access will result in the case being escalated to the High Court and another warrant being issued and they will force entry with the police if they need to, to execute the warrant. The OP would have had plenty of communication as you can see above. The OP will find if they run a fresh credit check on the OPs credit file that under the courts and bankrupty section will be a list of all the warrants from the courts and CCJs given. So let's assume the OP ignores this warrant as this is the warrant we are talking about what will happen next. They could call the police and gain entry without permission from the OP. The police are only called in this instance to make sure the OP doesn't kick off and to make sure the Balliff isn't obstructed when executing the court warrant. If the OP tries to stop them at the door that then becomes obstruction which is a criminal offence and the police will be called. If no one is home when the Balliffs call around charges will be added to the debt in fact in all three instances charges will be added to the debt. The Balliffs will go away and try one more time and then contact the Catelogue company it belongs to and advise them to escalate it to the High Court. In England, Wales the courts have jurisdiction over the police, that's why courts instruct Balliffs and police because the courts issue the warrants. Can Balliffs (also known as Enforcement Agents) break in or gain entry to your home to cease goods on a Controlled Goods Agreement? Yes they can. Regarding not accepting the debt as yours, the legal problem you have there is this 3 years ago your husband allows entry to the Balliffs and would have signed the controlled goods agreement this is an admission in law that you own the debt and it doesn't matter if your husband signed the Control of Goods Agreement or you. Regarding why the OP hasn't heard anything for 3 years I doubt this very much as the Balliffs would have written to the OP, tried phoning the OP toor left a card in the OPs letter box saying they are trying to contact you please contact them as a matter of urgency. This would have happened over the last 3 years and the case going back to court which you would have got court papers for to fill in again. They have ruled in your absence. You will find because there is a CCJ from 3 years ago on your credit file courts and bankruptcies section this will remain on there for six years from the date it was issued or paid off even if the old debt falls off the Financial Agreements Section of your Credit file. Options for OP 1. declare bankruptcy at the High Court in London or online here: https://www.gov.uk/apply-for-bankruptcy for £680 and end all the creditors from chasing you. https://www.gov.uk/bankruptcy If you are in Scotland or Northern Ireland the process is different, please check links to declaring bankruptcy in Scotland and Northern Ireland on the links above. 2. You can get a Debt Relief Order for £90 if you meet the requirements for it - CAB will be able to tell you how to do this and arrange for it to happen. This will cease all creditors from chasing you. https://www.citizensadvice.org.uk/debt-and-money/debt-solutions/debt-relief-orders/ In both these cases you will need all recent letters from creditors, proof of income and an income and expenditure form etc (list available on the links above). You would need to do this urgently before the Balliffs comes out and when they do come out show them the bankruptcy or DRO acceptance letter which you will receive at the high court on the same day or if DRO within 7 days after submitting the form to them via CAB. You will have to pay in advance if you choose to go down this route (The Bankruptcy option you can pay in installments but you won't be bankrupt until the £680 is fully paid. The DRO has to be paid in advance in full). 3. Last option come to a payment plan with all your creditors through PayPlan (www.payplan.com) or with the courts or through CAB. I am not posting this to scare you but you have left this debt a terrible long time and ignored Balliffs/Enforcement Agents (who are representatives of the courts in this instance) hoping the debt would go away.