Debt Collectors Legal Rights

HARVEYAD

Hi, Does anyone know what debt collectors legal rights are? Can they break in to your home? Can they take property in your house even if it doesnt actually belong to you? If you open the door when they knock can they force there way in? Can they take a vehicle that is on credit in your partners name but the V5 is in your own name? Pls help, thanks

immoral_angeluk

Debt collectors have no rights whatsoever. They are merely representatives of the compant and trained to harass you into making a payment. You don't have to speak to them or do anything. Just ignore them.

RAS

harvey

welcome but we need a lot more inforation to help you, particulalrly as you are quoting instances that refer to bailiffs rights not the rights of debt collectors.

Who has been in touch regarding what sort of debt? Is it to do with J2? our previous thread

In the mean-time shift the car away from the house if you think there is a real threat to it.

rog2

HARVEYAD wrote: »

Hi, Does anyone know what debt collectors legal rights are? Can they break in to your home? Can they take property in your house even if it doesnt actually belong to you? If you open the door when they knock can they force there way in? Can they take a vehicle that is on credit in your partners name but the V5 is in your own name? Pls help, thanks

Debt collectors have very few legal powers.
They can not enter your house unless you invite them in.
They can not take property from your house, regardless of who owns it.
They can not take a vehicle unless by prior arrangement and with your full agreement.

Read this:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

The scenarios that you describe would be more applicable to the 'role' of a Bailiff - even then a 'bailiff' can only enter your property by peaceful means and can not sieze goods that do not belong to you.
Equally, a bailiff can only excercise his legal powers in the execution of a defaulted County Court Judgement, 'liability order' obtained from a Magistrate (for Council Tax) or in the collection of unpaid fines or taxes.
A bailiff must give you notice of any intended visit.