Creditor Threatened Doorstep Collection

Truegho

My mum was threatened with doorstep collection by one of her creditors if she did not pay a minimum of £17.00 off her credit card bill of £1,500. She explained to them that the CAB are currently dealing with her case, but the creditor insisted that she must still pay the £17.00, otherwise the doorstep collection would take place.

Does anybody know if my mum can do something about these threats? This particular creditor, our of all of them, has been the most obstinate and difficult in regard to ordering her to pay. And just WHAT would this "doorstep collection" process have entailed? To me, it smacks of bailiff tactics.

dmg24

Truegho wrote: »

My mum was threatened with doorstep collection by one of her creditors if she did not pay a minimum of £17.00 off her credit card bill of £1,500. She explained to them that the CAB are currently dealing with her case, but the creditor insisted that she must still pay the £17.00, otherwise the doorstep collection would take place.

Does anybody know if my mum can do something about these threats? This particular creditor, our of all of them, has been the most obstinate and difficult in regard to ordering her to pay. And just WHAT would this "doorstep collection" process have entailed? To me, it smacks of bailiff tactics.

Pay what she owes?

izools

No creditor can set foot on a debtors property legally without a notice of execution from a court.

She would have to have been taken to court, have a CCJ granted, and failed to make payments to the extent that the creditor went back to the court and applied for a notice of execution.

If they call again, get her to tell them that they are in breach of S.40 of the Administration of Justice act in making such a threat and she will have no hesitation in suing them for damages.

Also get her to advise that she is exercising her legal right for all communication here on in to be in writing only, and further phone calls will be considered a breach of the Telecommunications act, again she may sue for damages if another phone call is received.

boliston

A "doorstep collector" has no legal rights above and beyond any other stranger who happens to knock on your door. If I was in debt I would certainly never negotiate with a doorstep caller as I would only ever communicate IN WRITING with my creditor, and certainly NEVER on the phone.

Even a court bailiff only has very limited rights, in that they can only enter your home if you either invite them in or you leave a door or window open that they can gain entry by. However once a bailiff has gained "peaceful" entry they can later force entry so the conclusion is "never invite a bailiff in"!

triticale

boliston wrote: »

Even a court bailiff only has very limited rights, in that they can only enter your home if you either invite them in or you leave a door or window open that they can gain entry by. However once a bailiff has gained "peaceful" entry they can later force entry so the conclusion is "never invite a bailiff in"!

Just like with vampires...;)

**Upsy_Daisy**

dmg24 wrote: »

Pay what she owes?

With a bit more effort you could be both unhelpful and ignorant

The OP is asking for help - do you know what that is?

I assume if you come across someone in the road who has just been run over you would kick them n the chest and tell them to make sure they look properly next time

Love UD (U got my special sarky sig) XXXX

Jemma-T

Don't answer the door and if they come back phone the police.

bazster

http://forums.moneysavingexpert.com/showthread.html?t=1837507&highlight=bailiff

davethorp

triticale wrote: »

Just like with vampires...;)

Except vampires are much nicer

enay73

You should report to the police straight away. They cannot do that by Law. Tell your mother do not be scared, she has all her rights behind her.
I am disgusted how people working in customer service are having such awful behaviour especially with frail people.
In this country unfortunately there is a very small communication/information how to deal or which right you have.
Honestly it's such a shame.
I do live now in UK about a decade and I can see lots of difference between here and the other rest of EU countries.
If someone would enter by a window, even is a bailiffs or someone who is working for a financial company and you owe the money, he's still breaching the trespassing and committing a criminal offence.
Also you cannot harrassed a person, as it could lead a criminal offence, even werbally using ways of communications. You need to use the right channels and not doing such disgusting things.
Sorry but that's not fair. It seems a jungle rather a civilised country.

ILW

enay73 wrote: »

You should report to the police straight away. They cannot do that by Law. Tell your mother do not be scared, she has all her rights behind her.
I am disgusted how people working in customer service are having such awful behaviour especially with frail people.
In this country unfortunately there is a very small communication/information how to deal or which right you have.
Honestly it's such a shame.
I do live now in UK about a decade and I can see lots of difference between here and the other rest of EU countries.
If someone would enter by a window, even is a bailiffs or someone who is working for a financial company and you owe the money, he's still breaching the trespassing and committing a criminal offence.
Also you cannot harrassed a person, as it could lead a criminal offence, even werbally using ways of communications. You need to use the right channels and not doing such disgusting things.
Sorry but that's not fair. It seems a jungle rather a civilised country.

Why have you assumed that the OPs mother is frail, not all mothers are.