Bailiffs calling for previous owner after 18 months !

never-in-doubt

Send a message to Roberto Moir as he is an ex bailiff and very clued up - regards to letters and the law, see this thread we created about them: Dealing with Bailiffs Harassment

magpiecottage

Have look at this thread. If you make complaints based on the template letter I put there and start taking firms to FOS then they will soon get the idea that they should not pester you.

You may find the adjudicators at FOS don't understand it is unlawful so quote the relevant parts of the OFT guidelines and, if necessary, insist an Ombudsman makes a decision.

lilly82

Thanks everyone will get on with writing some letters now your help has been great. Just hope i can put a stop to it

GEEGEE8

hayley11 wrote: »

Oi you trying to say my advice wasn't useful? :eek:

:rotfl:

I agree though, hopefully you will get some more advice, it would be driving me mad. Being chased for debt you owe is bad enough but somebody elses debt! :eek:

Let us know what the council say.

:rotfl::rotfl:sorry! lol - not at all..

DarkConvict

Your perfectly entitled to open the mail arriving as it is causing you concern, and with no forwarding address it is of no detriment to the intended recipient.

My advice would be to use the DPA to force the bailiffs and companies to remove your address from there system as the data is inaccurate and been used improperly to the point of harassment. ICO deals with DPA complaints, the FOS/FSA will deal with the finanical companies. I 'assume' bailiffs come under the MOJ. You could always give CAB a call/visit as well.

RobertoMoir

Zelie wrote: »

You might also want to put a formal complaint in to the council. If they are taking money from you as the new owners then they obviously know that the debts of the previous tenants are nothing to do with you. And being a council they are probably more likely to be scared of complaints than a private bailiff company.

It's not a case of the private bailiff company being "scared of complaints" as to whether or not they will knock on a door. They are simply going where they are being instructed to call by the person using them, so if this is for council tax then they are being given that address by the council.

OP...

You can obviously deal with them as they knock on the door (though I agree, why should you have to?) but until the people who are giving out bad info to bailiffs and debt collectors actually update their records then you may continue to receive letters and visits... so this is where you need to focus your efforts.

I know that most of your frustration is due to being bothered too often as much as anything else, but please be assured that they can not enter your property / take your goods for someone else's debt. In the very unlikely event that one overstepped their mark and did so they would have to bring them back with a very large flea in their ear.

dfh

s c x x w THEM LOL

Sarsie

I dunno much about money (yet) but vehicles are very much my thing!...

There is no reason you can't write to the DVLA yourself and state the facts. Without actually accusing them of fraud it will start to become a lot clearer that you've got nothing to do with them. It's an actual crime not to re-register your vahicle anyway, so if the baliff isn't lying (they do that you know) the DVLA have the wrong details still on file.

If it were me I'd set it out a bit like this.

Dear Sir/Madam,

Since moving into our home on (exact date) the sole occupiers of (exact address inc. postcode) have been my husband (exact full name) whose date of birth is (01 JAN 1980) and myself (exact full name), I was born on (01 JAN 1980 etc), along with our children who are currently 2 and 6 years of age** and so have never owned any vehicle.

We currently own the following vehicles, which are correctly registered with you in our names...

1999 Red Peugeot 206 car, registration mark T123 ABC
2009 Red Ducati 1098S motorcycle, registration mark AB09 XYZ

We have previous owned (and now sold/scrapped)...

1995 Blue Ford Fiesta car, registration mark M123 ABC

I would like to make it clear to the DVLA that there are no other occupiers at this address, there have not been since (give them the date again) and so any vehicle still registered after (date you moved in again) to any person who is not my husband (name again) or myself (name again) is incorrectly registered and may be fraudulent.

My husband and I are in the unfortunate position of frequently recieving baliffs for the previous owners/occupiers of our home, in particular (name them all in as much detail as you have e.g Mr Andrew James Smith/ Miss A Jones). My husband and I wish to make absolutly clear that we have no connection to these people, we do not know them, we have never known them and we have no forwarding address for them. My husband and I became the only occupiers of the property on (date again- just to really rub it in). My husband and I own the house, there are no other owners, the property has never been let by us, no one but us has lived here since we moved in.

Yours Faithfully

(Both sign it)

CC: (debt collector 1) (debt collector 2) (debt collector 3) ... & (your local police force)

(**= No need to name your kids as long as you say if you've got any, likewise list any teenagers who have had a vehicle like you listed your husband and yourself- you're only telling the DVLA what they already know, you're just making a firm point is all.)

I'd send that one off to the DVLA with a copy to every debt collector you know of and the head office of your police force (easy to google). The reason for this is that you are making a clear statement to the baliffs from the outset that the vehicles outside are NOT fair game for them to "load up now and dispute later" if you happen to be out- it's not unheard of, however dubious!

Then you wanna sit down and draft up a proper letter, not about vehicles about what the situation is this time, with as many facts as as little else as you can, then send that to every collector and creditor you know of. I havent been here long but there is a chance there's already a template letter for that somewhere here... Anyone know?

Also it could be worth forwarding copies of that proper letter to the credit reference agencies (the 3 names you need to google for addresses are Experian, Equifax and Call Credit) just so they have at least been told, because they're another major source of baliffs information.

I know it sounds like a lot to do, but it's mainly printing off a load of the same side of A4 and stuffing it in envelopes.

Good luck- Sarsie

b33r

And as tonights episode of Watchdog showed Sarsie, the DVLA couldn't really care less!

Sarsie

Wow.

Someone came here and asked for suggestions, so I take great trouble to make a suggestion. Then someone else comes along with a flippant, dismissive, 2-second remark, based on teatime telly, aimed at me personally, which is then immediately thanked!

It leaves me wondering why I bother if what the membership want on this forum is negativity and defeatism. I had such a different impression a couple of days ago when I really believed this was a good place.

I am honestly stunned, not to mention confused and hurt.

Perhaps a moderator can let me know in a fair way if in future I should not make any effort to make suggestions to people who ask for them, so that this trial by sarcasm isn't neccesary to facillitate my exit from here in the event that it is I, personally, who is unwelcome.