CSL Debt Collectors

Yorkie1961

Help needed. I have received a card in the post from CSL saying they will be calling at my home on Wednesday (no date given) does anyone know if they actually do call cos after reading some comments on here about how aggressive they are I want to write to them rather than call them - I am recovering from my second lots of surgery re breast cancer & just cannot face a fight on the phone.

deej57

Don't worry, they are all bluff and wind.

I have been getting call 3 times a day on my mobile ( normally from un recognised mobile numbers) sneaky !!

They can threat all they like, remember that a debt collector IS NOT a bailiff and as such you are under no legal obligation to talk to them , let alone let them into your home. Whatever they may intimate their rights are, they have NO LEGAL RIGHT OF ENTRY TO YOUR HOME. This can only be done by a bailiff WITH A COURT ORDER.

They are basically bully boys. I have contacted both the OFT and Credit Reference Association and complained about their actions.

I have written to CSL and told them that I will only communicate with them in writing and will ignore any telephone calls.

Under OFT rules a debt collector may only visit your home if they have made an appointment. I would suggest that you write to them informing them of this fact and also state that you have no wish to make an appointment with them.

In your letter quote the following ;

There is only an implied license under english common law for people to be able to visit me at my home property without express permission, the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd {1959} 2 QB per Lord Evershed MR. Therefore take note that I revoke licence under common law for you or your representatives to visit me at my home property and if you do so, then you will be liable for damages for a tort of trespass and action will be taken, including but not limited to Police attendance.
Note: VISITS OR PHONE CALLS TO THE WORKPLACE ARE NOT LEGALLY ALLOWED UNDER ANY CIRCUMSTANCES

This should get the message through that you know your rights.

My advice, don't respond to phone calls, just hang up. Tell them to contact you in writing only. If they do call on you, call the Police, they are breaking the law. Under NO circumstances invite them into your home.

It's about time, we the public have to fight back against illegal bullying

Good luck !

Angloman

I have noticed that people say a bailiff can enter your home NO HE CAN NOT Please check this out as you will find this is correct

Bailiffs misrepresenting their powers of entry

FACT: Bailiffs have no power to force initial entry or break open an outer door if it is either locked or bolted.

There are reports of problems with bailiffs misrepresenting their powers of entry, falsely claiming that they can force entry or have a warrant that allows them to force entry or that they will return with the police who will force entry on their behalf.

Bailiffs must enter a property peacefully through an unlocked door or through an open window.
They may not enter through a closed window, even if it is not locked.
They cannot obtain a court order to gain entry and the police have no power to force entry on their behalf. Bailiffs can only force entry if they have previously gained peaceful entry.
Note that Section 27 and Schedule 4A of the Domestic Violence, Crime and Victims Act 2004 have allowed bailiffs to force entry in connection with unpaid magistrates’ courts fines. The Citizens Advice Bureau has reported that some bailiffs’ firms have claimed that this power extends to other debts, including council tax arrears. This is not the case.

If the bailiff is attempting to force entry or has entered your property make note of the time and date and ensure you have copies all the paperwork so that we have evidence to present to the head offfice.