With regards to the bailiffs wilf, I guess it's down to the situation. I know a bailiff personally and he's some stick off me in the past, he just laughs it off.
Just few month since he told me about a guy who maced a self employed plumber for over 12k, bailiffs got sent in to collect, the cnut who maced the plumber lived in a 5 bedroom detatched house with a range rover land rover and new vovlvo on his drive, no mortgage on the house and no outstanding finance on any of the motors. He paid up within the hour when the range rover was going to get lifted. He owed the man money for 18 month