Home visits by debt collection Co's.

27col

I know that it is extremely unlikely, but has there ever been an occasion when someone did actually receive a "home visit" and if so, what happened.

Kite2010

If a debt collector does decide to get off their !!!! and come to visit, they have no powers whatsoever to enter your house.

Inflatable_Armadillo

27col wrote: »

I know that it is extremely unlikely, but has there ever been an occasion when someone did actually receive a "home visit" and if so, what happened.

They can knock on your door and ask you for money, you can in turn deny the debt to their face and ask them to leave your property. If they refuse they are trespassing and of course harassing you for money, both of which are against the law. If they turn up after you have previously denied the debt (and can demonstrate that in writing) then it is straight forward harassment and you could call the police.

That all said, this is against the business model, they know they don't have any powers, so this will remain a postal exercise costing only pence per letter.

HO87

27col wrote: »

I know that it is extremely unlikely, but has there ever been an occasion when someone did actually receive a "home visit" and if so, what happened.

To my knowledge, no. Few DCA's would risk the investment given that they are only on a percentage (probably just a fixed payment - £15) for a successful result and would therefore be out of pocket if they sent someone around. Telephone calls are relatively common by comparison and cost far less.

bromsgrovebarry

It is an common ruse for the debt hounds to send you a letter telling you that they will make a home visit to 'assess your situation' in the next 72 hours. Needless to say, it is only sent to scare you and nobody turns up.

notts_phil

I've often polished my doorstep for the doorstep collector but alas they don't show. And when you ask the phone monkey aboutt doorstep collecting they get rather confused!!

esmerobbo

I have heard of them turning up but its always been for a substantiated debt, and for a considerable amount of money. Were the person has ignored all other contact.
Even then you just tell them to do one!

Or as their "doorstep collectors" let them take your doorstep in full and final settlement!

trisontana

There was one reported "home visit" by a DCA working for a now defunct PPC called PCN-UK (remember them folks?) . This particular company left a note at a house saying that they had a "warrant to seize goods", even though they weren't bailiffs and there had been no court case.

If you look at page three of this thread, you will see the illegal documentation left by the so-called "bailiffs" :-

http://forums.pepipoo.com/index.php?showtopic=47297&st=40

robredz

esmerobbo wrote: »

I have heard of them turning up but its always been for a substantiated debt, and for a considerable amount of money. Were the person has ignored all other contact.
Even then you just tell them to do one!

Or as their "doorstep collectors" let them take your doorstep in full and final settlement!

PPc alleged invoices are not an "established debt", and so are uncollectable even by many DCAs standard of trying it on with statute barred debt. Even Snotcall, and Boorcroft, would leave these alone imho, so you are more likely to win the lottery than get a doorstep call.

HO87

trisontana wrote: »

There was one reported "home visit" by a DCA working for a now defunct PPC called PCN-UK (remember them folks?) . This particular company left a note at a house saying that they had a "warrant to seize goods", even though they weren't bailiffs and there had been no court case.

If you look at page three of this thread, you will see the illegal documentation left by the so-called "bailiffs" :-

http://forums.pepipoo.com/index.php?showtopic=47297&st=40

Thanks Trisontana for reminding me. You are entirely correct. PCN-UK were actually based in Market St, Chorley (despite their use of an address in S.Wales) and IIRC the address they "called" on was nearby. I'm sure sarahg (a local) would be able to fill in the details.

I have a somewhat interesting update regarding PCN-UK but I will post this separately to avoid hi-jacking this thread.

notts_phil

How on earth did they get away with that. Esp considering they put it.in writing!!