Hassle from creditors

Moneyworries

I have been working hard to pay off all my debts all though i do have a few little ones hanging around £80 here £400 there but i am now finding it hard to pay the amount requested from one company for 2 loans which i admitt i have not paid anything on for a few months, i have missed a payment and now they want £250 a month which i cant really afford let alone pay by monday i have offered £100 but they have refused this saying if i dont pay they will send debt collectors to recover £1400 owed on one of the loans... please can someone advise me on what i can do

bottleofred

Hi,

Pay the £100 per month or whatever you can afford and put this in writing to them. Regarding the debt collectors visiting your home, these companies try to bully you into paying what they want. There is a letter you can send about stopping doorstep visits. I'll see if I can find it and post it for you to send to them. If they harass you by telephone also tell them you only want to deal with them in writing and don't call them.

bottleofred

Hi,

I've put the template letter below. Send it to your debt collection agency.

Dear Sirs,

Account No: XXXXXXXX

Please be advised that I will only communicate with you in writing. I have noted your repeated attempts to contact me over the past few weeks and these have been duly logged by time and date. Should it be your intention to arrange a doorstep visit, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make such an appointment with you.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

Yours faithfully

WRINKLES

Pay your rent ,gas, electric, council tax and any other priority bills take out petrol or bus fares to work ,if you are at work ,buy your groceries see what you have left then pay them what you can afford from this, dont ask them tell themm just send it