Help please, Welcome Finance just called at my house.

AGB863

If any one comes to your door univited - you do not have to discuss anything with them - tell to leave as they had not made an appoitment and failure to leave would mean they are trespassing.

They have no powers to do anything and can not threaten you.

miss_bexy

Thank you for the advice everyone.
This may sound silly but is there any law that says you have to open your front door? Like the man yesterday rang the bell 3 times and rapped the window so I really only answered as I thought it must have been someone I knew.
I decided today I am just not answering the door anymore!! But what if they can clearly see I am at home? I assume there is no law that says I have to answer it?

mrcow

No - you don't have to answer your door if you don't feel like it.

If you're going to do this though, I suggest you make it look like there is no one in (ie. don't have all the windows open and the tv blaring) as otherwise, it may encourage the visitor to keep knocking!

The thing is though that this is your home. You shouldn't be scared to open the door. They have no right to intimidate you.

Personally I'd tell the guy I didn't know what he was going on about and not to bother me again. But that's me.....I'm a bit of an ogre when it comes to people giving me stress

Ames

Of course you don't have to answer the door, it's your home and it's up to you who comes in.

Is the debt in your name or just your OH's? If it's only in his name and they're talking to you about it then they could be breaking the data protection act.

miss_bexy

Exactly what I thought, he should not have spoke to me. It's not in my name. It's only in my OH.
The man told me who he was, where he was from and that he was there because my OH had missed a payment.

I'm scared if we ignore the door he will start knocking at neighbours or something

I wish I had had my wits about me and just said I didn't know who he was on about, as my OH is very rarely home cos he works 12 hour shifts and the chances of the man knocking when he is actually home is slim. But I was so caught off guard I was all eeeeeep!!!

Numpty_Monkey

Go with what Tixie and mrcow have said,
Give CCCS a call, let them know,
or CAB. I think this link is for Northern Ireland
http://www.citizensadvice.co.uk/en/getadvice/

Most important to go along with what mrcow has said
If i read your OP right, this is your husbands debt, and they shouldn't be sharing information about that anyway

Most important of all, you take care of you and your little baby:A

miss_bexy

Do you think they called because they didn't know about the DMP and once they do are they likely to not call anymore? Or is this likely to continue?

Thanks for all your help everyone.

Hollyberry

I know this is probably very easy to say and very difficult to do, but I suggest that you do your best just to chill out and put your feet up. You are not obligated to answer the door, and you have a very good reason not to, as you will be resting and taking care of yourself and the young Bexster-to-be.

If he does call at the neighbours, you can truthfully say that it's nothing to do with you. From the amount of threads on here where debt collectors are making speculative contact with people, then there is no reason for your neighbours to know anything else.

Wishing you all the best for the new babe, and don't let someone knocking at the door stress you out. I assume you've got your bag packed for the hospital, and are all ready to go?

Take care of yourself.

Moany_Money

Isn't he breaking the law on harassment by doing this ???

miss_bexy

Bag has been packed for a wee while lol! I sometimes feel ready. Other times not so much!
I am just worried if he knocks at neighbours and gives my OH name or something. I don't think they should be allowed to come to your home. It's really digusting.