Recieved letter from CARS debt collection and really scared!

pinkisgreat1984

they sent me a letter saying that would be coming to my home between 8am and 8pm on thursday- I actually recieved this letter today, I've already sent them a letter saying im unable to pay the full amount,gave them my finainical statement etc, but this letter still came.

I'm really scared about it and I dont want to call because then theyll have my phone number but I dont know what else to do

EssexHebridean

First things first, make a cup of tea and take some deep breaths - there will be some folk along here in a minute who will be able to shed some light on the reality of the situation. Once comment I will make though is that you can always dial 141 ahead of the phone number you are calling to hide your phone number, so don't feel it's a foregone conclusion that if you call them they will then have your telephone number.

Don't panic. Things are rarely as bad as they at first seem.

stapeley

Doorstep collectors have no powers what so ever ! Never let them in do not even talk to them , if they do not go away when requested call the police ! You are right in not phoning them . Conduct everything by letter only. Give us afew more details of the debt and we will see if we can help .

10past6

pinkisgreat1984 wrote: »

I'm really scared about it and I dont want to call because then theyll have my phone number but I dont know what else to do

Send them this letter tomorrow by RECORDED DELIVERY:

Your address
Date

Creditor / DCA address

A/ C – Ref Number XXXXXXXXX

Please be advised that I am only prepared to communicate with [Enter Creditor / DCA name]. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; e.g. the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending "doorstep callers" to my home, you will be reported for harassment and be liable for damages for a tort of trespass.

You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

Should it be necessary, I will obtain an injunction

pinkisgreat1984

thats great thanks very much- gives me a starting point