Letter refusing permission for doorstep visit

ghostmadlittlemiss

Hi,

Old poster slinking back in again, tail between my legs. Hopefully, I'll make some progress this time.

Could someone please point me in the direction of the letter to send to creditors who are threatening doorstep visits telling them that they don't have permission to visit you please? Also, could you please confirm if it's still the case that if you live in a block of flats and someone leaves the front door open or unlocked, this means that debt collectors have gained 'peaceful entry' and can damage any other, internal doors (such as the doors to the individual flats) to their heart's content? (I have an idiot neighbour who won't shut/lock the front door and plays holy hell if anyone locks him out. :mad:) Thanks in advance.

All the best,

Kayleigh

a4a

You seem to be getting confused between creditors and bailiffs.

Creditors have every right to make doorstep visits and so do bailiffs.

Entering premises is a different subject.

But returning to your original post, I don't believe there is any letter that prevents a creditor from visiting you. Why shouldn't they?

happy_bunny_2

There is a template for this.

Something like this, adjusted for removal of OFT and inclusion of FCA. There may be a more up to date version.

http://forums.moneysavingexpert.com/showpost.html?p=23624477&postcount=4

[Deleted User]

a4a wrote: »

I don't believe there is any letter that prevents a creditor from visiting you.

Yes there is.

It's called WOIRA (Withdrawal Of implied Right Of Access), and it can be used against pretty much anyone, be they an individual, or an organisation.

Monkeyballs

Hi Kayleigh,

Some helpful advice above I can see that you've been knocking around on the site for a while and was wondering what you're doing to tackle your debts?

Whatever you're doing it sounds like you have tried and failed several times so maybe it's worth changing tactics? Especially if your getting threat letters from creditors...

MB x

fermi

The precise legality of that letter has been the subject of debate.

Certainly the case that legal or not, it sends the debt collector a clear message that they will not be welcome and that any visit would be a complete waste of their time and money, so most of the time seems to achieve the desired result regardless.

(Assuming the threat to turn up was a genuine one, where in fact most are very empty threats)

[Deleted User]

What WOIRA does, is make any visit a Trespass.

poppasmurf_bewdley

Bedsit_Bob wrote: »

What WOIRA does, is make any visit a Trespass.

And as such, you would be entitled to take them to court for damages - subject to being able to afford the costs of doing so (which would probably be more than the amount of money you owe). And how much damages would a court award for someone knocking on your door?

[Deleted User]

They are respected by BBC/TVL, who are not exactly known for being fair minded and easy going.

[Deleted User]

so what if they visit; tell them to get stuffed.

[Deleted User]

Deleted User wrote: »

so what if they visit; tell them to get stuffed.

Exactly.