No debt collectors not bailiffs can send anyone round willy nilly just because someone alleges you owe them a debt. Whist debt collectors may become involved later in the process, they are powerless to do anything and can be safely ignored with no danger of bailiffs or anyone knocking om your door. The are utilised to simply get the low-hanging fruit on the gullible tree, who have no idea how civil law works, to poop their pants at the threatening language and cough up and pay the scammers.
To get a CCJ on your credit record, there is a whole lengthy process that involves Pre-ction Protocol letter of claim, the service of a claim, acknowledgement of the claim, defending the claim, filing a directions questionnaire, an allocation to a county court local to the defendant, a mediation session and finally a hearing where a judge would decide whether the defendant owed the claimant a debt or not. Once the judge has made their decision (judgment) the defendant either wins or loses the claim. Any judgment is likely to be less than the original claim because fake added fees and damages are not allowed in the small claims track.
If the defendant was unlucky enough to lose, as ling as the amount in the judgment is paid within 30 days, there is no record of the CCJ in the defendants credit file. The only way a CCJ remains on your credit record is if you don't pay it in full with 30 days of the judgment or it is paid later than 30 days after judgment where it remains but is marked as "satisfied".
Any CCJ for less than £600 is unlikely to have an enforcement order made whereby court appointed bailiffs could come around and knock on your door to seize property.
I hope that helps allay any fears.
