Debt Visit

needpracticaladvice

He does but we are considering a push bike

£100 comfortable

kittiej

Well on the one hand make a complaint to the person Rizla King gave details for and on the other make an offer of £100 which is a respectable amount tbh.

needpracticaladvice

I have spoken with ICO and they want to see the email as it may have breached data protection.

Yes I will construct a email tonight.

Thanks

pauletruth

your both on benefits so offer the nice man a quid a month. maybe worth nipping down to the police station yourself think your being harassed by him which IS A CRIME

NO large sums
No 200 a month be serious this is an unsecured debt that they have allowed to get out of hand.

your priority debts come first. do they even have a ccj against you.

mention bankruptcy in the next letter see his reaction bet it will be funny.

it defiantly requires a formal complaint. speaking to your landlord is extremely dodgy.

keep a record of all letters emails and record any phone calls and video any visits. If it ever goes to county court the judge will be very interested in it.

kittiej

I agree with Paul, the bankruptcy card would be a good one to mention.

Hope you feel a bit more positive now OP and have stopped feeling ill

matttye

needpracticaladvice wrote: »

UPDATE. .....

spoke with this guy today on the phone as it has been worrying me sick!...

He said it is about the debt.... because with charges etc it is £13k! They consider what ive done as fraud I guess to run up that much and not make payments. ... he said he is going to see if his bosses will accept that but I cannot afford anything else its really that simple... but I am scared if they don't accept it....

I have offered £1000 today and another £2000 in 3 months followed by oayments of £200 a month... h

Sorry I think you misunderstood what we were saying. This chap who claims to be a loss prevention officer for Shop Direct attended at the address registered to your account and you answered, claiming that you were not who he was looking for. This might have caused him to believe that somebody else had used your address to open an account, which would of course be fraud.

We weren't saying YOU committed fraud; just that the guy might have thought your address was used fraudulently.

needpracticaladvice

Hi matttye no its okay I understood, sorry just very flustered this last week. He wants to meet to sign paper's etc and come to a agreement but hasnt sent me a copy of anything, so im just going back to writing. I did speak to the financhial obusdman and they couldnt understand if I committed a crime or they even suspect I was why they never went straight to the police, and the tactics are a bit skeptical. ..

so im taking good advice from this thread and thank all

needpracticaladvice

Oh and no ccj yet

matttye

needpracticaladvice wrote: »

Hi matttye no its okay I understood, sorry just very flustered this last week. He wants to meet to sign paper's etc and come to a agreement but hasnt sent me a copy of anything, so im just going back to writing. I did speak to the financhial obusdman and they couldnt understand if I committed a crime or they even suspect I was why they never went straight to the police, and the tactics are a bit skeptical. ..

so im taking good advice from this thread and thank all

Most debt is covered by civil law, not criminal law, so being in debt is not a crime. I say 'most' because unpaid council tax, TV licence, evasion of fuel duty, court fines etc. are classed as crimes. Consumer credit debt, however, is not governed by criminal law.

Police wouldn't get involved in debt collection. Sounds like he's trying to scare you.

g_attrill

matttye wrote: »

Sorry I think you misunderstood what we were saying. This chap who claims to be a loss prevention officer for Shop Direct attended at the address registered to your account and you answered, claiming that you were not who he was looking for. This might have caused him to believe that somebody else had used your address to open an account, which would of course be fraud.

We weren't saying YOU committed fraud; just that the guy might have thought your address was used fraudulently.

I agree. I don't think the people posting here realise how little interest the police take in fraud matters unless the victim has some sort of evidence.

It's likely they are just trying to ascertain whether it's just an big debt or whether somebody else has taken control of the OP's account and ordered stuff to resell.

We don't know what he said/sent to the landlord. IMO it would be reasonable to ask "I am investigating potential fraud at a property you own. My information is that X lives there however the person answering the door does is not X and has never heard of them, can you tell me if X is renting?". TBH if the landlord replied "yes" I doubt there is any sort of breach for anybody to bother pursuing, if there is a breach at all. Neither side has told the other something they didn't already know, and both sides have a strong interest in resolving the matter at hand.