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  • FIRST POST
    • Puzzled38
    • By Puzzled38 5th Sep 17, 2:05 PM
    • 6Posts
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    Puzzled38
    Debt collectors for previous occupants
    • #1
    • 5th Sep 17, 2:05 PM
    Debt collectors for previous occupants 5th Sep 17 at 2:05 PM
    Sorry I don't know where best to post this!!

    As per title we bought this property in November 2016, and in about June the previous owners postal divert service finished so we started getting letters for them which we put back in the post return to sender etc. Often the postman would re-deliver the letters that had been put back in the postbox!!! I have had debt collectors at the door and now I'm getting hand delivered mail about outstanding debts for the previous occupiers.

    I just want to know of any easy ways of proving I'm not them and they no longer live here as according to 'can't pay we'll take it away' on the to the onus will be on me to prove I'm not them and that my goods are mine if worse case scenario they try and come to settle a debt.

    Thanks
Page 1
    • StopIt
    • By StopIt 5th Sep 17, 3:40 PM
    • 1,391 Posts
    • 1,184 Thanks
    StopIt
    • #2
    • 5th Sep 17, 3:40 PM
    • #2
    • 5th Sep 17, 3:40 PM
    Easy. Show them your Passport, Drivers license or bank cards and tell them that the people they're looking for have moved on.


    If you're renting, you should have a copy of the tenancy agreement, that'll be proof that the debtors are no longer there. If you bought the house, you should be easily able to prove it's yours.
    • Arleen
    • By Arleen 5th Sep 17, 3:53 PM
    • 992 Posts
    • 729 Thanks
    Arleen
    • #3
    • 5th Sep 17, 3:53 PM
    • #3
    • 5th Sep 17, 3:53 PM
    You don't need to show them any documents, simply inform them that he doesn't live here and if they will come again you will report it as harassment. That will get their attention and is the right thing to do.
    • tenchy
    • By tenchy 5th Sep 17, 8:39 PM
    • 148 Posts
    • 27 Thanks
    tenchy
    • #4
    • 5th Sep 17, 8:39 PM
    • #4
    • 5th Sep 17, 8:39 PM
    Easy. Show them your Passport, Drivers license or bank cards and tell them that the people they're looking for have moved on.


    If you're renting, you should have a copy of the tenancy agreement, that'll be proof that the debtors are no longer there. If you bought the house, you should be easily able to prove it's yours.
    Originally posted by StopIt
    A better idea is just to tell them to f... off. You don't need to prove anything.
    • Shakin Steve
    • By Shakin Steve 5th Sep 17, 9:05 PM
    • 1,059 Posts
    • 767 Thanks
    Shakin Steve
    • #5
    • 5th Sep 17, 9:05 PM
    • #5
    • 5th Sep 17, 9:05 PM
    A better idea is just to tell them to f... off. You don't need to prove anything.
    Originally posted by tenchy
    No..that's the most satisfying way It's easier to show them your ID and tell them that's the last time you expect to see them, then mention the bit about harassment.
    I came into this world with nothing and I've got most of it left.
    • sourcrates
    • By sourcrates 6th Sep 17, 12:19 AM
    • 12,468 Posts
    • 11,860 Thanks
    sourcrates
    • #6
    • 6th Sep 17, 12:19 AM
    • #6
    • 6th Sep 17, 12:19 AM
    Another option is to open said letters to see which companies they are from, then write a letter explaining the situation to the "compliance officer" at each one.

    Inform them they have 14 days to remove your address from there files otherwise a complaint will be forwarded to the ICO, the FOS, and it will also be logged with the FCA.

    That should have the desired effect.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • MEM62
    • By MEM62 6th Sep 17, 9:09 AM
    • 1,383 Posts
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    MEM62
    • #7
    • 6th Sep 17, 9:09 AM
    • #7
    • 6th Sep 17, 9:09 AM
    according to 'can't pay we'll take it away'
    Originally posted by Puzzled38
    Fly on the wall TV shows are hardly a reliable source of advice for such issues.

    You don't need to show them any documents, simply inform them that he doesn't live here and if they will come again you will report it as harassment. That will get their attention and is the right thing to do.
    Originally posted by Arleen
    A better idea is just to tell them to f... off. You don't need to prove anything.
    Originally posted by tenchy
    Whilst both the above posts are technically correct and the posters offering the advice would perhaps gain some sense of satisfaction from telling a bailiff where to go, that course of action is not going to afford you the least amount of inconvenience.

    As suggested, write to the companies and state that the people they are looking for are no longer resident at your address. (If you have a forwarding address I might be tempted to provide it) If anyone shows up at the door, show them some ID and they will go away. There is nothing, other than perhaps the inconvenience of further visits, to be gained from being obstructive or difficult.
    • tenchy
    • By tenchy 6th Sep 17, 9:29 AM
    • 148 Posts
    • 27 Thanks
    tenchy
    • #8
    • 6th Sep 17, 9:29 AM
    • #8
    • 6th Sep 17, 9:29 AM
    Fly on the wall TV shows are hardly a reliable source of advice for such issues.





    Whilst both the above posts are technically correct and the posters offering the advice would perhaps gain some sense of satisfaction from telling a bailiff where to go, that course of action is not going to afford you the least amount of inconvenience.

    As suggested, write to the companies and state that the people they are looking for are no longer resident at your address. (If you have a forwarding address I might be tempted to provide it) If anyone shows up at the door, show them some ID and they will go away. There is nothing, other than perhaps the inconvenience of further visits, to be gained from being obstructive or difficult.
    Originally posted by MEM62

    I totally disagree with this. An Englishman's house is his castle. The more people that acquiesce to this type of thing, the more these people will think they have a right to demand it.
    • macman
    • By macman 6th Sep 17, 9:55 AM
    • 41,351 Posts
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    macman
    • #9
    • 6th Sep 17, 9:55 AM
    • #9
    • 6th Sep 17, 9:55 AM
    I totally disagree with this. An Englishman's house is his castle. The more people that acquiesce to this type of thing, the more these people will think they have a right to demand it.
    Originally posted by tenchy
    A nice theoretical concept, but entirely false in reality. Numerous people can, given the right authority and paperwork, force entry to a property without the occupier's consent, or even demolish it (never heard of compulsory purchase?) Licensed bailiffs also have certain powers (not debt collectors).
    If debt collectors or bailiffs continue to believe that the person named on their documentation is still resident at the address, then they will continue to visit.
    No free lunch, and no free laptop
    • MEM62
    • By MEM62 6th Sep 17, 10:02 AM
    • 1,383 Posts
    • 995 Thanks
    MEM62
    I totally disagree with this. An Englishman's house is his castle. The more people that acquiesce to this type of thing, the more these people will think they have a right to demand it.
    Originally posted by tenchy
    And just what exactly are we acquiescing to? Nothing!

    The situation is simple. The debt collectors are looking for someone at your address that is not you. You have a choice; tell them is isn't you and show them some ID so they go away. Or be an !!! and have further visits.

    This is not an erosion of our civil liberties or 'the man' stepping all over our freedoms. Believe it or not, we are not living in 1960's America. It's just the most straightforward way of dealing with the situation and avoiding further inconvenience.
    • alastairq
    • By alastairq 6th Sep 17, 10:05 AM
    • 4,985 Posts
    • 4,089 Thanks
    alastairq
    The Debt Collecting Agencies should easily be able to check the name of the current resident. It seems to me that mostly the Debt Collectors call, just on the off-chance.
    They should do their home-work,before they start cold-calling on people [for, that is what it is!]

    I have had two companies knocking on my door reference the debts of a long-since departed [and several tenants before me]....from my address.

    In both cases, their first question was, to ask me my name.

    Do folk honestly give out that sort of information to any Tom, !!!! or Harriet that comes calling?

    Needless to say, when I firstly refused to answer, then asked who they were, and demanded some sort of credentials....they finally came out with the name of the person they were seeking.

    All the Debt Collector needs to know is.....you are not the person they are seeking..and that person no longer lives at that address.

    Both also mentioned they were 'in pursuit of a debt'!

    Fatal....Debt Collection Agencies are not allowed [terms of their licence] to go cold-knocking [regardless of whether they suspect the debtor lives there or not].....telling folk why they are there!

    If really wanting to turn the screw, make sure you obtain the full details of the DCA, then drop a line to the appropriate regulating authority!

    If you can be bothered?

    However, all mail has ceased in this respect. I guess, by getting onto their respective offices, and doing a modicum of research [easy for a Debt Collector Company] they realised their errors. MY point being, if the research is so easy, why is my privacy being invaded?
    No, I don't think all other drivers are idiots......but some are determined to change my mind.......
    • tenchy
    • By tenchy 6th Sep 17, 10:56 AM
    • 148 Posts
    • 27 Thanks
    tenchy
    And just what exactly are we acquiescing to? Nothing!

    The situation is simple. The debt collectors are looking for someone at your address that is not you. You have a choice; tell them is isn't you and show them some ID so they go away. Or be an !!! and have further visits.

    This is not an erosion of our civil liberties or 'the man' stepping all over our freedoms. Believe it or not, we are not living in 1960's America. It's just the most straightforward way of dealing with the situation and avoiding further inconvenience.
    Originally posted by MEM62

    It's really straightforward actually. You tell them "so and so doesn't live here, so don't come back. If you do come back I'll consider it harassment and may report you to the police." I cannot imagine anything more stupid than to disclose identification documents to someone, whoever they are, on your doorstep.
    • sourcrates
    • By sourcrates 6th Sep 17, 11:38 AM
    • 12,468 Posts
    • 11,860 Thanks
    sourcrates
    It's really straightforward actually. You tell them "so and so doesn't live here, so don't come back. If you do come back I'll consider it harassment and may report you to the police." I cannot imagine anything more stupid than to disclose identification documents to someone, whoever they are, on your doorstep.
    Originally posted by tenchy
    May work with debt collectors as they have no powers whatsoever.

    County court bailiffs may think twice as well.

    The same cannot be said for HCEO's who are officers of the court and carry a warrant signed by The high court.

    Telling them to eff off and been uncooperative would just result in police attendance and possible arrest, and all for something that's nothing to do with you.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • alastairq
    • By alastairq 25th Oct 17, 11:35 AM
    • 4,985 Posts
    • 4,089 Thanks
    alastairq
    The same cannot be said for HCEO's who are officers of the court and carry a warrant signed by The high court.

    Telling them to eff off and been uncooperative would just result in police attendance and possible arrest, and all for something that's nothing to do with you.
    They would identify themselves in a correct & proper manner. They would prove their Rights to the person answering the door. Unlikely, then, the response to Efforff would be justified?

    A world of difference, then, from the approach of a mere debt collector?
    No, I don't think all other drivers are idiots......but some are determined to change my mind.......
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