black horse just knocked on my door

themagics

Hi all i've just answered the door to someone from black horse who was wanting to collect our one outstanding payment.he also reset up the direct debit on the doorstep when i asked why we hadn't had a letter telling us of the visit or a default notice he said they didn't need to send one is he right does anyone know:o

hypno06

Sorry - I don't know the answer but thought I should bump this one up because the board is moving quite quickly today and this was being lost!

MrsTinks

Uhmmm you did, I hope, ask him to prove who he was and I am certain you didn't actually SIGN any piece of paper work he had did you???

themagics

I didn't sign any paper ork and very stupidly didnt ask him to prove who he was the giro slip he left is genuine tho as i 've had some before i feel really stupid now

themagics

thankyou i've posted again because of that reason

skylight

Don't you dare feel daft. These people are employed to and trained to, surprise people and confuse you. Its their job and they are good at it!

themagics

thanks but it is natural tho and i did question him as to why we hadn't received a default notice or letter stating he was coming he said they didn't do that ...they being black horse.i'm just very worried now and in shock I'm off work sick today he's lucky i was in

mrcow

themagics wrote: »

when i asked why we hadn't had a letter telling us of the visit or a default notice he said they didn't need to send one is he right does anyone know:o

Anyone can knock on your door. They don't need permission or to post prior warning. Whether you chose to communicate with them or not is up to you.

themagics

Ok thanks for the advice wasn't sure how it works

boredofbeingathome

Cripes they are a bunch arent they? I am sure they have to give you notice of a visit, another thought.... if you hadn't been in..do/would they charge for the visit?
I think you may need to pull up some stuff on original debt, and also credit consumer act as well as ringing a free debt charity agency to check on this.

themagics

thanx i was sure they had to notify you as well we are regulars on here and black horse are a minor problem compared to others we have a dmp with payplan etc and from experience with sorting all that out i thought we had to have chance to repay and we should have been told that failure to repay would result in debt collectors etc but surely that is after ccj ? and if that is defaulted on i think it very strange to have this without a default notice who knows i was caught very off guard and feel very silly at the mo