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.

saving_88

Do Bailiffs check DVLA records for cars. Also in Bankruptcy, How do they determine a car is your asset. If your not paying any finance on bank records, or declare any cost for cars. How would they know. 
Do they check DVLA records. If thats the Case OP transfer log book to a family members name. You can run the car. But its their asset so bailifss cant say anything

tigergambit

Scarlet_to_Black said:

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!  🙏

Just don't tell them about the caravan.

Scarlet_to_Black

Just don't tell them about the caravan.

🥸😈🤣

I’m good at posting chilled caravan pics on FB…maybe I need to stop ✋ 🤦‍♀️  (That is currently me in the middle, no dogs/kids allowed on a 5 van site 😜)  I’d fight them to the death…

tigergambit

Scarlet_to_Black said:

Just don't tell them about the caravan.

🥸😈🤣

I’m good at posting chilled caravan pics on FB…maybe I need to stop ✋ 🤦‍♀️  (That is currently me in the middle, no dogs/kids allowed on a 5 van site 😜)  I’d fight them to the death…

Just make sure your FB is locked down so that only friends can see.

We rediscovered camping a couple of years ago, much nicer without kids although I do miss the dog 😂

DankVielen

Scarlet_to_Black said:

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

You have probably seen too many High Court Enforcement shows.

First must come a CCJ, then an escalation.

For cars they can make an enquiry whether car is on finance and won't usually go after them, also the car has to be worth around £2k to cover the tow cost and storage.  I can't see a consumer debt collection agency paying out for that.

As you have been advised do not tell them about the caravan and I would even remove it from this site, with the right tools it could link to an FB account if your account was open.

I think you are a long way from it getting to debt collector stage, even when the defaults are completed, then you will get a letter from the Debt Consolidation Company and then the Debt Management Company who will tell you that they have appointed a Debt Collection Agency.  The latter will have 3 to 6 months to send you their set of letters then a new Debt Collection Agency.will be appointed and so it will go on, all the time with you not engaging and not acknowledging the debts. 

Use a lever arch file with dividers for each original debt, put the default as the last doc in each section then add new ones on top.  This is important as it is inevitable that you will get the same debt companies buying, managing or collecting debts. 

Try to remember that you are in control now, the letters mean nothing, the threats mean nothing, you can decide whether to wait for an offer of 60% off or 95% off or for the debts to be statute barred.  A CCJ is rare but they something happen, cross that bridge when you come to it.  IF it happens it is likely to be years away if it happens and you should be sent a letter of claim before action.

Scarlet_to_Black

Great advice @DankVielen thank you 🙌. My instagram and FB are all private. Hopefully that’s enough. I post for the memories…🥰

I’ve just enjoyed the most relaxing weekend in the sun with loads of walking and cycling and now laying in bed listening to the rain batter the roof 🤣. Can’t buy that kind of stress relief. Well, you can and at £75 it’s worth every penny 😍

@tigergambit that made me laugh! 😆