debt collectors at my door...soon

ashbash204

I'm feeling like Mr. Micawber at the moment, holding on for something to turn up, which might just be the debt collectors..

Could those that know point me to threads/info on what debt collectors are and are not allowed to do when they pitch up, what rights they have /we have....

cheers, from behind the sofa
Ash

philnicandamy

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/DebtsAndArrears/DG_10034289

http://www.payplan.com/debt-library/bailiffs-bailiff-law.php

http://www.debtquestions.co.uk/legal_yourrights.php

Have you contacted anybody about your circumstances? any of the free debt helplines in my sig below will be able to give you more detailed advice on how best to manage your situation

peachyprice

Also, it's very unlikely they will actually turn up on your doorstep, it's another scare tactic they use to get you to pay up.

ashbash204

Hi Phil
thanks for those, yes I am taking advice but am behaving a bit like Mr.A.hitler in the bunker scene in 'Downfall' waiting for the tanks to arrive...just that they won't be MY tanks!

philnicandamy

As peachy said though I very much doubt anyone will turn up on your doorstep....before I went Br back in march I lost count the number of cute little postcards I had sent through the post saying a representitive would be calling at our home.....nobody ever did come (boo-hoo!)

DEBT_23

peachyprice wrote: »

Also, it's very unlikely they will actually turn up on your doorstep, it's another scare tactic they use to get you to pay up.

They do turn up. i had moorcroft DCA turn up over a credit card with halifax for £3000. he pretty much let himself walk in.. he gave me a paying book and basically told me i was paying *** this much.. paid for 2 months i think then sent him a txt message ( had his mobile on pay book) saying under rule blah blah i refuse you to step on my property shall you continue i will contact the police and have you done for harrasment and i will only deal with this debt thru post ..
got a letter thru 2 weeks later stating they was no longer dealing with this debt. LOL heard nothing since..
tho i go BR in 2 weeks.

Sorry to take over your thread. but from my experiance some debt collectors do turn up and moorcroft never threatened me with it. they just turned up !

tigerfeet2006

Debt I think you were extremely unlucky. In the time I have been on this board I could count on one hand the number of posters that have had them turn up. I had a dozen or so of these from different people and no one turn up.

They have no rights at all, in fact I think the paper boy has more rights

blind-as-a-bat_2

To the OP, have any of your creditors taken legal action yet, not threatened, actually done it as in a CCJ etc?

If not they may send people but as its already been said that is rare and against OFT guidelines (i think its OFT) without prior appointment

In short if they dont have the backing of the court, they have no right to be on your property with the exeption of implied right.

If they do turn up tell them to leave if they dont ring the police

DEBT_23

lol thats what i thought, i heard nothing since.
there is nothing worse that hiding in your own home scared of debt people.

blind-as-a-bat_2

Dont be scared of them, thats what they rely on to get what they want

If anyone does turn up do not enter into any descusion just repeat leave my property and contact the police if they refuse

Do not let them enter your home under any cercumstances

ashbash204

no court action as yet, these are old debts from a newly failed iva (what happened to the money I did manage to pay into it?), am happy to string things out for as long as possible in some ways as will probably go br sooner or later, just wanted to be armed with as many delaying tactics as possible whilst I try to resolve some other issues, thanks for all advice and support