Loan default - urgent advice needed!

heathcote123

Does your sister have no shame?

I'd get round there an asist her to ebay all her possesions for a start.

heathcote123

Missmuppet wrote: »

After speaking to my BIL he very kindly agreed to up his repayments to £50 a month instead of the £30 he has been paying. I called Barclays to see what, if anything i could do and they have now told me that the debt has gone too far (apparently not one full payment has ever been made!) and so it's has been sold on. I have arranged for the payments to increase to the £50 but am concerned now that baliffs may now get involved.

!

THats not kind, thats offensive.

Missmuppet_2

Hi Heathcote123, i was being a little sarcastic when i said 'he kindly agreed' - i've sent him a letter to tell him that the debt is being sold on and that he should investigage options on how to pay the debt off in full. As for the shame - no my sister(s) have no shame nor morals sadly! I'm the white sheep of the family lol. No matter what i do in life to do with my family i get grief from them - all i'm trying to do is to help my mum and i'll come out of this as the bad guy! Nothing ever changes and i've just accepted the fact that when it comes to my sisters i just can't do right for doing wrong. When my mum does finally go i can't wait cos it means i'll have no more to do with the rest of my family and for me that time can't come soon enough!

hallowitch

If it ever gets to the stage where bailiffs are involved (High court enforcement offers) your mother will be classed as a vulnerable person

http://webarchive.nationalarchives.gov.uk/+/http://www.dca.gov.uk/enforcement/agents02.htm

Vulnerable situations

• Enforcement agents/agencies and creditors must recognise that they each have a role in ensuring that the vulnerable and socially excluded are protected and that the recovery process includes procedures agreed between the agent/agency and creditor about how such situations should be dealt with. The appropriate use of discretion is essential in every case and no amount of guidance could cover every situation, therefore the agent has a duty to contact the creditor and report the circumstances in situations where there is potential cause for concern. If necessary, the enforcement agent will advise the creditor iffurther action is appropriate. The exercise of appropriate discretion is needed, not only to protect the debtor, but also the enforcement agent who should avoid taking action which could lead to accusations of inappropriate behaviour.
• Enforcement agents must withdraw from domestic premises if the only person present is, or appears to be, under the age of 18; they can ask when the debtor will be home - if appropriate.
• Enforcement agents must withdraw without making enquiries if the only persons present are children who appear to be under the age of 12.
• Wherever possible, enforcement agents should have arrangements in place for rapidly accessing translation services when these are needed, and provide on request information in large print or in Braille for debtors with impaired sight.
• Those who might be potentially vulnerable include:
  • the elderly;
  • people with a disability;
  • the seriously ill;
  • the recently bereaved;
  • single parent families;
  • pregnant women;
  • unemployed people; and,
  • those who have obvious difficulty in understanding, speaking or reading English.