Assets

Scarlet_to_Black

If someone had visits from DCAs, would they be interested in the car you had on the drive? 

In my case I have a Kia 2016, which I have a service plan on and it usually gets through MOTs without an issue, so actually I would hate to have to sell and buy a banger as I think that this would be false economy as it never causes me an issue, touch wood, and I need a reliable car for my job. 

I’m only at the point of waiting for defaults (had one so far but that’s part of affordability complaint with FO) so no court action and I hope there never will be, but would they look at the car and think, “There’s £7k” 😈 or whatever it may be? 

I also have a caravan (gifted by my parents) worth £4k for my sole use. It keeps me sane when I eventually manage to get away and tow somewhere, which is kept in storage . I don’t have a passport any more and couldn’t afford holidays abroad anyway. I only usually book four nights at £25 a night, so affordable and essential for my mental health.  Another reason I don’t want to change my car and plan to run it to the death. 

The reason for asking is I’m a bit twitchy having cancelled StepChange and doing my own DMP and paying nothing for the third month that I’m scared to push the DCAs too far!  🙏

Grumpelstiltskin

You don't get bailiffs visiting you, the only person who might come is a door knocker, they have no interest with what is on your drive and if you are in when they come just tell them to go away, treat them like a double glazing salesperson.

You are worrying  when nothing is going to happen.

ManyWays

A bailiff would be very interested, but there is no chance of you seeing a bailiff unless a lender goes to court and gets a CCJ. 

A debt collector has no power to take anything, in your house or on the drive.

I am sorry that you are finding this so anxiety inducing. Goping back to StepChange may be a sensible step for you

Scarlet_to_Black

Thanks for the reassurance, AGAIN. I really do need to settle down and get a grip!! 

sourcrates

You must understand that a debt collector has no statutory power whatsoever, they are just another member of the public doing a job.

They cant take your property, or enter your home without permission, you are way, way overthinking this.

Bailiffs, whether court appointed or private, can only be engaged after a CCJ has been granted, and you fail to make payments on that debt, you are a long way off that scenario yet.

Try not to let the anxiety cloud your judgement here.