How long before they arrive at the door?

hondamt

Just wondering how long is before they start knocking at the door
Haven't been able to pay any cc/loans for about 7 weeks.
Getting about 20 calls a day now ( I ignore them 0845/witheld numbers)
RBS sent a letter saying they were turning up today,not seen them yet.Going out in a minute!
Whats the best thing to say to get rid of them(going BR 29th May)
Thinking along the lines of- seeking financial advice cannot pay one creditor above another etc

NittyGritty

i think you need to give them (creditors) the refrence number and say you are waiting on a court date to go bankrupt altho i might be wrong

Holes_in_my_pocket

it will cost them to go door knocking so they wont do it , the letters are just threats i wouldnt worry about them

GEEGEE8

Going bankrupt on my birthday! ahhh!
Don't worry, don't answer the door, don't let them in, it'll all be sorted soon enough.
Just hang in there!

Tixy

They probably won't turn up on your doorstep - if they do just ask them to leave.
You could send a letter saying you are seeking financial advice - maybe use this one and adapt it slightly - http://forums.moneysavingexpert.com/showpost.php?p=21937969&postcount=52

GEEGEE8

NittyGritty wrote: »

i think you need to give them (creditors) the refrence number and say you are waiting on a court date to go bankrupt altho i might be wrong

I wouldn't bother.

They don't stop bothering you for a little while even after you give them your bankruptcy order number. I even had one woman (after my bankruptcy) start asking me what I spent it on, and did I not consider how I was going to repay it before I spent it. I was shocked. She didn't know my personal circumstances at all. Told her I'd pay now if she wanted me to.. she said yes.. so I told her she was !!!!!! at her job because that is illegal and to F-off :D:D

GEEGEE8

Excuse the language.. I am still mad thinking about it.

OP - don't worry, just post on here if you get worried/nervous and we will set your straight

dojoman

GEEGEE8 wrote: »

I wouldn't bother.

They don't stop bothering you for a little while even after you give them your bankruptcy order number. I even had one woman (after my bankruptcy) start asking me what I spent it on, and did I not consider how I was going to repay it before I spent it. I was shocked. She didn't know my personal circumstances at all. Told her I'd pay now if she wanted me to.. she said yes.. so I told her she was !!!!!! at her job because that is illegal and to F-off :D:D

Nice one

broxiebear1

hi op i stopped paying in januarry recieved lots of calls so changed my number guess what the new number i recieved from bt is someone that is being chased for debt to ,so i phoned them up and said she didnt live here and to stop phoning ,they said sorry we will remove number .i am getting letters we may thi we may that but they dont , one debt collector came to door twice partner said i wasnt in as i was working so he left i live in scotland and i am waiting for a charge for payment so i can go br but reading on here it seems unlikley c c companys or banks will do that i might be wrong but thats 5 months now and nothing yet

wolfers

The final straw for me was when RBS sent me a letter saying they were coming round. I knew it was a bluff (and I was right -- they didn't come) but I thought "I've had enough of this" and I started looking seriously at bankruptcy, which I've now decided to do.

So, in a way, their scare tactics backfired on them. I might have struggled on a bit longer had they not got heavy handed so quickly.

confused76

wolfers wrote: »

So, in a way, their scare tactics backfired on them. I might have struggled on a bit longer had they not got heavy handed so quickly.

me too wolfers, i might have left it a bit longer had i not been so frightened of the calls/visits/letters/etc. oh well, guess they did me a favour!