A new way to avoid paying back what you owe

southernscouser

Mics_chick wrote:

Sorry if my emails sound melodramatic only I did work at a credit ref agency and we heard all sorts of stories.

It only takes the baliffs to gain entry once to remove your stuff and there is NO comeback whatsoever...

No I know what you mean! Batstewards ain't they? :rolleyes:

Do you know of any regulatory body they can be reported to?

davethecue

Hi
Not 100% sure but I was under the impression that bailiffs are not allowed to break ito your home(unless the debt is rent or I.R.) and that the Police are NOT allowed to help anyone. They are there purely to prevent a breach of the peace. If you look on insolvency website they tell you your rights.
However once they're in that's it!
God luck

Bossyboots

Mics_chick wrote:

She needs to get this sorted as soon as possible because if the baliffs come back with the police they can break in if noone's in.

This was a myth dispelled by the recent expose on bailiffs and amongst other websites, is stated here http://www.channel4.com/money/feature.jsp?pageParam=5&id=294

looby75

Thanks everyone, I'll pass on your very helpful advice to my friend, she's coming round with a bottle of wine later on, (her dh is going out and she doesn't fancy sitting in her house on her own getting madder and madder thinking about the situation her dd has caused) so I'll show her all the posts and maybe get her credit reports ordered, she doesn't have a computer at home so she can use mine if she if it helps.

Thanks again everyone

Dr.Shoe_2

Something I'd suggest is that she now starts to open all letters she gets in her daughter's name. If no one signs the credit agreement then no one gets the loan!

Secondly, even if they do manage to get in, bailliffs can only remove goods that belong to her daughter and even then with a court order. I think that they were just trying to scare her into paying her daughter's debts...

looby75

Dr.Shoe wrote:

I think that they were just trying to scare her into paying her daughter's debts...

That's exactly it and it's so bloody maddening that they pull tricks like that. They admitted that they knew the dd didn't live there anymore but still try to get my friend to pay up :mad:

If it had been someone a bit less confident than my friend it may have worked too

LOL just realised I'm going to have to edit one of my posts if I'm going to show her these...the one where I called her tough as old boots...maybe I'll just tell her about them instead

Mics_chick

What bailiffs can and can’t do
=======================

If County Court bailiffs come to your home, you don’t have to let them in.

They can’t force their way in on their first visit, but they can enter through an open window, or an unlocked door. Forced entry includes pushing past you once you have opened the door to them or leaving their foot in the door to prevent you closing it. Such action would make the whole process illegal.

Bailiffs trying to recover money you owe to HMRC are allowed to break into your home, providing they have a magistrates warrant.

Bailiffs recovering unpaid magistrates’ court fines, however, do have the power to force entry.


I found the above information from a government website (https://www.direct.gov.uk) - the cases I've heard of in the past must have owed money to the Revenue (HMRC) as well as credit cards, etc and credit ref agencies do deal with this sort of info too.

looby75

Aly thanks hun I kno I can always count on you to give really good and practical advice.

Mics_chick thanks to you to. I'll print that up and give it to my friend.

sorry for typos a bottle between 2 of us became a bottle (and a bit lol0 each:o )

but we did get her credit rating thingy sorted out though.