Bailiff coming tomorrow

fusionx212

[quote=[Deleted User];70796764]Of course. I understand that.

BUT not everyone can say this truthfully....[/QUOTE]

i aqgree but it takes people alot to open their eyes to debt problems. this board would not exist if they did not, but put simply if you cannot afford to repay what happens then if you can't even afford your priority debts.

it becomes desperate, if you can afford and choose not then thats a different story bailiffs attending mentally ill and vulnerable peoples homes is not ok and it happens all the time.

even if it's not a bailiff it's the ones that are debt collectors posing as bailiffs with threats thinking people do not know the truth etc.

[Deleted User]

fusionx212 wrote: »

i aqgree but it takes people alot to open their eyes to debt problems. this board would not exist if they did not, but put simply if you cannot afford to repay what happens then if you can't even afford your priority debts.

it becomes desperate, if you can afford and choose not then thats a different story bailiffs attending mentally ill and vulnerable peoples homes is not ok and it happens all the time.

even if it's not a bailiff it's the ones that are debt collectors posing as bailiffs with threats thinking people do not know the truth etc.

Yes I see what you mean. If you have issues than I can see how this could happen

Taking mental illness out of the equation, I am genuinely interested in how people think about these things. Maybe its just me but if I got one letter then I'd be trying to sort it out before it got to bailiff stage.... Anything....

It is true that there are a large percentage of people who just chuck the letters in the bin and think stuff it or I'll get away with it.

A family member of mine did exactly this with HMRC, they sent him literally 30-40 letters and he chucked them away and kept blowing all his money down the pub. In the end, he nearly went to prison. Do I have any sympathy? Not a jot. Whilst I was at home paying my taxes, he was spending his tax money living the life of riley every night down the pub.

I've heard story about someone who rents out his old house. Had so much trouble with non payment of rent that he almost lost his own house and this house due to financial problems. Do these people deserve sympathy when the bailiff calls to chase payment and chuck them out? Nope none at all.

zenshi

[quote=[Deleted User];70800234]
It is true that there are a large percentage of people who just chuck the letters in the bin and think stuff it or I'll get away with it. all.[/QUOTE]

Debt, worry and lack of proper info can make you act oddly!

I used to see on tv dramas people doing this and think ....how stupid, just deal with it!

Then it happened to me and I found myself doing exactly that until I came to terms with it and dealt with it

I do not have mental health issues. I'm an independent strong minded woman. I have my own business, renovated a house and dealt with cowboy builders, took my young children abroad by myself.....and STILL I filed those damn letters

BrightLights14

[quote=[Deleted User];70800234]
I've heard story about someone who rents out his old house. Had so much trouble with non payment of rent that he almost lost his own house and this house due to financial problems. Do these people deserve sympathy when the bailiff calls to chase payment and chuck them out? Nope none at all.[/QUOTE]

They might do; you don't know their circumstances. Those tenants might have had the mental health problems discussed above. They may have had a less fortunate start in life. We don't know. So we don't judge.

sourcrates

There are various reasons why people don't, or can't deal with there debts, relationship breakdown, illness, Naivety, scared, and yes the ones who can't be bothered.

But we try not to judge people on this forum, as it puts folk off from seeking advice.

Most people can deal with there affairs reasonably well, others can't, so please think carefully before posting on here, one day it might be you wanting advice.

fusionx212

sourcrates wrote: »

There are various reasons why people don't, or can't deal with there debts, relationship breakdown, illness, Naivety, scared, and yes the ones who can't be bothered.

But we try not to judge people on this forum, as it puts folk off from seeking advice.

Most people can deal with there affairs reasonably well, others can't, so please think carefully before posting on here, one day it might be you wanting advice.

I'd say I always dreaded opening bills, because as soon as you see what's owed the dread sinks in and you get that sinking feeling and panic. I used to be a put it in the draw and ignore it kinda guy. now I am a waiting for the postman to deliver kinda guy.

sometimes I get a bit twitchy like the old days but I am armed with a lot more information now and as such able to go at things head on. Im far from being in a perfect situation but with age and maturity i've learnt alot of value money lessons.

BrightLights14

sourcrates wrote: »

There are various reasons why people don't, or can't deal with there debts, relationship breakdown, illness, Naivety, scared, and yes the ones who can't be bothered.

But we try not to judge people on this forum, as it puts folk off from seeking advice.

Most people can deal with there affairs reasonably well, others can't, so please think carefully before posting on here, one day it might be you wanting advice.

Well said! Even now, when I'm more in control of my finances than ever, I dread getting home in case there's a letter on the doorstep. When one arrives, even though it's usually just a statement, I think twice before opening it after work because I know how it'll make me feel - hopeless, panicky, even suicidal, and sometimes I can't handle that alone. So I wait until the morning, when I know I've have more capacity to deal with it (phone lines will be open, etc.).

I know this isn't the same as ignoring a debt, but all I'm saying is I understand how easy it is to bury your head in the sand and frankly how horrendous being in debt can be.

And it can happen to anyone.

KirstyO

BrightLights14 wrote: »

Well said! Even now, when I'm more in control of my finances than ever, I dread getting home in case there's a letter on the doorstep. When one arrives, even though it's usually just a statement, I think twice before opening it after work because I know how it'll make me feel - hopeless, panicky, even suicidal, and sometimes I can't handle that alone. So I wait until the morning, when I know I've have more capacity to deal with it (phone lines will be open, etc.).

I know this isn't the same as ignoring a debt, but all I'm saying is I understand how easy it is to bury your head in the sand and frankly how horrendous being in debt can be.

And it can happen to anyone.

Likewise. I got a letter from Natwest (my mortgage provider) and couldn't open it for 3 days. All it ended up being was confirmation that i'm cancelling my overpayment for a few months, but when it arrived it filled me with the overwhelming anxiety and panic that every letter used to fill me with when I was in debt.

mangle101

Anywho, did the Baliffs actually turn up?

Smart_Mart

Having experienced bailiffs at first hand, I wonder sometimes how they get away with some of the wording on the letters they drop through the letterbox.

I've had issues with Rundles and their local gorilla here has never been, nor ever will be, let into the house for obvious reasons. I can't afford what they want me to pay but he won't take no for an answer. The last hand delivered letter he left me said something along the lines of (and I'm paraphrasing from memory)...."Please cooperate; next time, we will sort this out without you being there". Clearly implying that they would get in without my permission.

No wonder there are some frightened people about. :mad: