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Threatening letter from debt collection agency

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  • elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.
    What a bizarre and wrong assumption. You need to sort your finances out properly, and not waste police time for your own mistakes.
  • User_060921
    User_060921 Posts: 108 Forumite
    10 Posts First Anniversary
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.

    In the absence of clear direction to the contrary you are on a debt free wannabee page so its a reasonable assumption to make.

    In terms of the police, as i said above, what they are doing is not unlawful. Its not a police matter
  • sourcrates
    sourcrates Posts: 31,573 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 23 April 2021 at 11:41AM
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.
    What a bizarre and wrong assumption. You need to sort your finances out properly, and not waste police time for your own mistakes.
    Your making the assumption the OP owes this money, how can you be so sure of yourself ?

    Mis-traces happen every day, they won`t provide evidence of this debt, you never pay a debt unless it is evidenced first.

    Common sense approach here please, debt collectors chase the wrong debtor all the time, never assume anything is correct.

    Always dispute things you are unsure of.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • elsanto
    elsanto Posts: 67 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.
    What a bizarre and wrong assumption. You need to sort your finances out properly, and not waste police time for your own mistakes.
    Once again, assuming I owe the money. HOW do you know?
  • elsanto
    elsanto Posts: 67 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    baza52 said:
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.
    why do people always assume that someone that disagrees with the OP or has a different view must work for the company or a similar one lol.
    Its just a classic response when they don't like a reply
    Why do people assume that somebody who has a problem with a debt collection agency assume that he/she actually owes the money, huh?
    How does this help the person who has the problem? This kind of posting is only here to try and show that they are a smart alec.
  • elsanto
    elsanto Posts: 67 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.

    In the absence of clear direction to the contrary you are on a debt free wannabee page so its a reasonable assumption to make.

    In terms of the police, as i said above, what they are doing is not unlawful. Its not a police matter
    Debt free > you do not owe money :*
  • elsanto
    elsanto Posts: 67 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.
    What a bizarre and wrong assumption. You need to sort your finances out properly, and not waste police time for your own mistakes.
    Your making the assumption the OP owes this money, how can you be so sure of yourself ?

    Mis-traces happen every day, they won`t provide evidence of this debt, you never pay a debt unless it is evidenced first.

    Common sense approach here please, debt collectors chase the wrong debtor all the time, never assume anything is correct.

    Always dispute things you are unsure of.
    That is exactly the reason for my posting, to learn about the techniques debt collectors use for intimidating and frightening people into paying.
    I had a dispute with none other than the Inland Revenue who were claiming £2500.00 from me on penalties. I disputed it, they inundated me with threatening letter after they made their final decision on my appeal. I took it to a tribunal. The date for the hearing in the tribunal was fixed. Shortly before the hearing, HMRC withdrew its claim.......
  • elsanto said:
    baza52 said:
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.
    why do people always assume that someone that disagrees with the OP or has a different view must work for the company or a similar one lol.
    Its just a classic response when they don't like a reply
    Why do people assume that somebody who has a problem with a debt collection agency assume that he/she actually owes the money, huh?
    How does this help the person who has the problem? This kind of posting is only here to try and show that they are a smart alec.
    I assumed it as you’d have said if you didn’t owe it.
  • User_060921
    User_060921 Posts: 108 Forumite
    10 Posts First Anniversary
    elsanto said:
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.

    In the absence of clear direction to the contrary you are on a debt free wannabee page so its a reasonable assumption to make.

    In terms of the police, as i said above, what they are doing is not unlawful. Its not a police matter
    Debt free > you do not owe money :*
    Seems you are most interested in some conflict on here. I wish you well 
  • elsanto
    elsanto Posts: 67 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    elsanto said:
    elsanto said:
    elsanto said:
    nyermen said:
    Hi OP - Don't confuse right of access indoors with implied right to outside space (hence reference to postie being able to walk up to the door, etc.)  I believe what they mean is that you can withdraw is their right to even walk on your driveway/pathway etc, ie. they can never reach the front door.
    Thanks but I will call the police instead (or record them) if they come. If I reply, they will see they are getting somewhere with their threats. I actually think that they would be encouraged because they got a response from me for the first time.
    You are going to call the police and say that you are unhappy at being pursued for money that you owe?

    That’s an interesting approach.
    It appears that I got a response from somebody who works for a money collection agency going to harass people at home :smiley:
    You really make me laugh assuming that I owe them the money just because it is a debt collection agency doing this.

    In the absence of clear direction to the contrary you are on a debt free wannabee page so its a reasonable assumption to make.

    In terms of the police, as i said above, what they are doing is not unlawful. Its not a police matter
    Debt free > you do not owe money :*
    Seems you are most interested in some conflict on here. I wish you well 
    Nope, the ones who answer t have a go and try to look smart instead of trying to help the person asking the question are. I know that there are people who do not know about the subject but they have a go too.
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