AEGIS visit?

jasper00_2

Hi,

MBNA are probably the company I owe the least amount of money to. However, I missed my last two payments and they want about £90, but someone called AEGIS have posted me a card saying they are going to visit me this saturday. Anyone had this? Threats, or are they likely to follow through on this? Naturally, I plan on either being out or not answering the door, but thought I'd ask.

Can't wait to have £495 saved up and put an end to these people.

craigos74

yeah,
I had the same thing, i owed MBNA about 5K. Dont know if they came round though cos the place has been repo'd and is empty. This was in December and i went BR in October, they've all stopped contacting me now though, i think the BR has filtered through to them now.

DON79

Hi, you do not have to agree to this visit and can tell them you do not want them to visit. If they ignore this, they are officially trespassing on your property. Unless they have a warrant from the court and are bailiffs, they have no rights to visit you or harass you at home whatsoever and you do not have to speak to them and do not let them in. They are also not allowed to act in a way that would be publicly embarassing to you - i.e. drawing up in a van marked "debt collector" or speaking very loudly or shouting out on your doorstep etc

so tell them in no uncertain terms to go away and not come back ever or you will report them to police for trespass and harassment.

jasper00_2

Cheers DON. I'd have loved to see their faces, Craigos, rolling up outside an empty house. :rotfl:

shirleymarye

I told them over the phone I wasn't prepared to speak to them and today I got a card in the post saying they will be coming on Saturday.
Not sure if I should ring and tell them I wont let them in because I wont !
Next week I am going to go to CAB to get things sorted, I have actually written to MBNA and already said I have no money so it seems pointless to try and badger me about it.

DON79

just tell them you do not agree to a home visit and no one is to come to your home, there is an official piece of legislation about this but I can't quite think where to find it. there is a previous thread about similar issues I am sure. will have a look for it.

there are some helpful bits in this thread posted by Baab - but it is english law and I think you are in Scotland shirleymarye unless I am wrong so it might not help you am afraid - doesn't mean you cannot quote it to scare them off though!

http://forums.moneysavingexpert.com/showthread.html?t=1347291&highlight=home+visit

dvs

Are you sure they said they will visit you or did they say something like I confirm I will be calling on Saturday between 8am and 9pm? I think it's a play on words. This company is a debt collection agency based in India and what they actually mean is they will telephone you. It's just a scare tactic because most people find the idea of someone turning up at their door rather frightening. MBNA uses this process themselves and allows collection agencies to do the same. They use postcards, rather than a letter in an enevelope, to make sure you see the communication. Although I question whether this method is compliant with the Data Protection Act as anyone can read the communication.

A word of advice, never let a debt collector into your house. If you do this once, they can enter again in the future without your permission. Keep them at the door!

jasper00_2

Yeah, that's exactly what it said! Was it you who sent it?

2spicy

HIya Guys, Just had our first letter from AEGIS on behalf of MBNA for one defaulted payment of £460. Told the MBNA guy that phones last week we couldnt pay and were starting a DMP, gave the number etc to them.
The letter we recieved only has MBNA's contact details on them as I was hoping to give them a call and politely tell them we couldnt pay.

Were looking forward to the next few weeks because in one form or another we have unsecured outstanding debts through MBNA of Almost £25,000.

davetheman

I also owe MBNA approx £25,000 due them taking over several of my cards, I am now getting calls and letters from AEGIS an RMA, both of which keep calling me at work and I have told them not to.

dvs

jasper00 wrote: »

Yeah, that's exactly what it said! Was it you who sent it?

No! I've just seen this technique several times before. MBNA have sent postcards chasing my ex, months after the ex moved out of my house. I called to tell them not to visit and they told me they don't visit, they just call (as in a telephone call). Clever because it does make you think they're sending the heavies round.