Advice needed regarding loans/debts/baliffs

bradqwer

TY again Tixy, were in bradford and just found christians against poverty sounds strange but hey no harm in trying is there

Tixy

Yep they are recommended on MSE as well (you don't need to be Christian for them to help you). If you find they have a long waiting time for an appointment in your area then it might still be worth a call to CCCS or national debtline to get some advice on the court fines/ bailiffs in the meantime.

Has the bailiff been inside the property at all? have they levied on anything?

bradqwer

no the house has electric gates, she still lives at home with parents

give_them_FA

kaya wrote: »

i am not sure that ignoring a loan that will only grow with interest and charges/fees is classed as "good advice" in any part of the world really , burying your head in the sand is where this all started, so your advice is to stick it back in the sand and hope things get better? lol, you are an eeeejit !!

Thanks for that, I am sure you know best, I only speak from the experience of having seen off over £120,000 of debts by doing precisely that, so I am a successful idiot, there is burying your head in the sand and there is using it as a game plan. Yes interest and charges get added, but eventually you don't pay those either so it doesn't matter much.

give_them_FA

bradqwer wrote: »

no the house has electric gates, she still lives at home with parents

Bailiffs are permitted to climb over walls/gates. They simply can't use force or break anything.

bradqwer

Well Im not to worried about the ballifs atm due to the car being on finance, as for the not paying surely this 'cant' work i mean just ignore em and they will get bored is what ur saying.

I wish this was a option but like I said she lives at home and her parents get the calls visits too

give_them_FA

Yes, it does work, as I have tried to explain to the poster above who thought I was an idiot. I know because I have done it, and everyone I know who has followed the advice has done it too. The game-plan of these people is very simple- to bully, threaten, and browbeat. They do this because they are NOT going to go to courts. Once you realise that, as I did, then it is easy. What they aim to do is to engage you in a dialogue so they can bully and threaten. So my game plan is simply to avoid any and all contact so that can't happen. That simply means IGNORE- it's not a positive act, but I know it takes some resolution. The one thing these people can't deal with is being completely ignored.

If your GF isn't strong enough to do that then my advice is not for her. But it does work. The debt collection "industry" is a bullying bureaucracy that only succeeds if you play THEIR game. Unfortunately there are too many that do.

The parking fines are being chased because there is a set routine for collection which is followed in every case. That's why I am more concerned about those.

But the others are peanuts debts which no-one will go to any great lengths to collect other than trying to harass you into paying.

Tixy

Its very rare for payday loans to take further action / attempt court proceedings, although it does happen very occasionally.

Its possible she could choose a route of ignoring the payday loan lenders, then the debt collectors that they pass the debts to. They will chase for a good while and after that debt collectors will invariably pop up every few months writing to her to chase the debt.

Its a risk and its not generally recommended as a plan of action on here, unless debts are already very close to being statute barred though its certainly something that some people do.

If she doesn't want to do that, or if her parents don't want her to do that (and for letters etc to keep coming to their house for possibly years) then contacting a debt charity for advice is a good way forward.

The court fines need to take priority, and she should be able to arrange to pay them in installments but then she should be able to arrange repayment plans with her other creditors and most people find that the payday lenders stop interest & charges when you enter a DMP, and will just accept the inital amount owed in installments.

Speak to one of the charities and they'll advise her on all the options (including ignoring them).

In terms of the bailiffs - keep an eye on what they are charging - its common for them to add on illegal fees when collecting debts - which she will need to challenge if that happens.

give_them_FA

Tixy wrote: »

Its very rare for payday loans to take further action / attempt court proceedings, although it does happen very occasionally.

Its possible she could choose a route of ignoring the payday loan lenders, then the debt collectors that they pass the debts to. They will chase for a good while and after that debt collectors will invariably pop up every few months writing to her to chase the debt.

Yes, precisely so, Tixy.

After all they must realise anyone who deals with them is going to be not very well off, so equally they realise that taking it to court is very likely to mean paying to get a judgment that they won't be able to enforce. Virtually all "debt collection" is about threats, not deeds. Certainly no-one issues claims "blind" where they have received no response to communications. Worked just fine for me.