Debt collectors - previous occupier

liam8282

caz2703 wrote: »

Cheers Cammy but from the link you posted:

So if the EJO send a letter to this address and I bin the letter assuming it's rubbish I might expect the police to turn up. Obviously this is presuming that the EJO don't come to the house themselves and also that I don't send the post back.

The text you quoted applies to the debtor, ie the addressee, not yourself.

They are not interested in you and that text does not apply to you, it applies to the addressee (the previous occupier).

If you had of returned the letters, this may have been the problem solved before anybody gets sent to your house.

But if anybody did eventually turn up you can easily sort it out.

liam8282

Correct me if I am wrong but this site is actually https://www.moneysavingexpert.com is it not?

Every other bit of advice is going to cost you time and money, not exactly money saving is it?

Ringing companies, sending letters, etc.... All of this might not even solve your problems. But in the mean time it has cost you time and money.

RobertoMoir

liam8282 wrote: »

As someone previously mentioned there seems to be no precedent about this.

But as Consumer Direct is a government website, in association with the OFT, which way do you think the courts are most likely to go, given the advice they give you?

The courts will look at the law as written, not some website's summary of it.

hippyadam

Right that's it! I'm turning the car around! No disneyland for you lot!



Edit: That's not me

liam8282

RobertoMoir wrote: »

The courts will look at the law as written, not some website's summary of it.

:wall:

They certainly will.

Considering that there is no precedent for this, which way do you think they are likely to go?

Do you think they are going to agree with the personal interpretations by a few random people on this website, or are they more likely to go with the interpretation provided by a government website and the OFT??


I'll just leave it at that, consumer direct and the OFT must be wrong. Random people on here are right. :rotfl:

caz2703

liam8282 wrote: »

The text you quoted applies to the debtor, ie the addressee, not yourself.

They are not interested in you and that text does not apply to you, it applies to the addressee (the previous occupier).

If you had of returned the letters, this may have been the problem solved before anybody gets sent to your house.

But if anybody did eventually turn up you can easily sort it out.

Oh dear god I've already said that returning letters to sender hasn't worked. In one instance we contacted one collection company for a debt for O2 only to be contacted by a different collection company for the exact same debt.

As for the text applying to the debtor, if they aren't getting their mail and thus don't reply to any summons then it's MY house they'll turn up to not the debtor.

liam8282 wrote: »

Correct me if I am wrong but this site is actually www.moneysavingexpert.com is it not?

Every other bit of advice is going to cost you time and money, not exactly money saving is it?

Ringing companies, sending letters, etc.... All of this might not even solve your problems. But in the mean time it has cost you time and money.

So Liam, your only suggestion then is to ignore any mail incorrectly addressed to the previous occupier and either bin it or send it back (which costs me time & effort to find a post box!). This definately isn't going to resolve the problem as stated above - sending mail back hasn't helped thus far so I'm glad I've done what I have or god knows how many people would have turned up to the door by now.

liam8282

caz2703 as I said before, if you don't like my advice, simply ignore it.

Bear in mind 2 official bodies advise you to do the same as I advised.

My advice doesn't cost you anything. Not that much effort involved in saving a few letters and putting them in a post box when you can.

Cost doesn't appear to be an issue now, even though earlier you were complaining about ringing premium rate numbers.

You have been advised, not only by myself, that if anybody ever did turn up at your house, you can simply refuse entry if you are in, if you are not in they have no right of entry.

Also, just because you contact one debt collection company, it does not stop that company selling the debt on and the cycle starts again. You may have contacted the original company, but the new company will always go back to the last known address chasing the debt. That will be another premium rate phone call, and so on.

I have got nothing more to add to this petty argument.

caz2703

Fair enough Liam .... I am now choosing to simply ignore you and I will ask for a mod to close this thread as it's turned personal against a number of members here.

adouglasmhor

liam8282 wrote: »

I have got nothing more to add to this petty argument.

You had nothing of much value to add anyway. I am adding you to ignore now too.

liam8282

adouglasmhor wrote: »

You had nothing of much value to add anyway. I am adding you to ignore now too.

You did not offer one single piece of advice to the OP, every post you have made on this thread is an argumentative comment about something I have written.

I think you need to get out more.

But you won't read this, I'm on ignore now.