Debt Collectors

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kallis3

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Post by kallis3 » Wed Jan 28, 2009 2:03 pm
An interesting story on BBC News 24:

http://news.bbc.co.uk/1/hi/uk/7855068.stm
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
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Breakdown

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Post by Breakdown » Wed Jan 28, 2009 2:11 pm
Funnily enough we had a debt collector at the door last Friday from Black Horse Finance.

I do not have a debt with them!!!

They were looking for the previous owner of our house, but we had never received any letters from them even though she had obviously not updated them with her new address.

He was actually a nice man who apologised when I told him that she had moved.

Hate to imagine what would have happened if he hadn't believed me.
Life is a rollercoaster, we just have to ride it!

iva approved. 5 down 55 to go
 
 

blue gorilla

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Post by blue gorilla » Wed Jan 28, 2009 3:43 pm
If the partial access to the electoral role is stopped too, there will be more cases of mistaken identity. Plus, they also have rights to pin down debtors who kick-up a fuss! Scary.

*Sorry blue gorilla, you are not allowed to put advertising links on.*
Last edited by blue gorilla on Wed Jan 28, 2009 3:50 pm, edited 1 time in total.
 
 

blue gorilla

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Post by blue gorilla » Wed Jan 28, 2009 3:57 pm
Apologies - but it was a news article. Is this OK? http://news.bbc.co.uk/1/hi/uk/7855068.stm
 
 

kallis3

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Post by kallis3 » Wed Jan 28, 2009 4:05 pm
That one is fine - it's the one I posted!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

blue gorilla

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Post by blue gorilla » Wed Jan 28, 2009 4:28 pm
Good point, which is why it was still in my browser.

I meant this one: http://news.bbc.co.uk/1/hi/england/lanc ... 833530.stm

Thanks
 
 

blue gorilla

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Post by blue gorilla » Wed Jan 28, 2009 4:32 pm
Private bailiffs/collection agencies can employ "reasonable force"! Quite what they deem as "reasonable" is anybody's guess.
 
 

kallis3

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Post by kallis3 » Wed Jan 28, 2009 4:38 pm
Debt collection agencies can't use force at all. You can refuse to speak to them.

You can refuse to let a bailiff enter your home if he comes to the door (unless he has a court order of course), but if you have left any other doors or windows open and he can gain entrance that way, he is quite entitled to do so.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

blue gorilla

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Post by blue gorilla » Wed Jan 28, 2009 4:59 pm
http://www.telegraph.co.uk/news/newstop ... wners.html

http://www.timesonline.co.uk/tol/news/p ... 375668.ece

Whilst not in force yet, it probably soon will be. The second article also points out that it could be considered ok to break down a door. Now to me that's reasonable force - actually i'd say that was quite unreasonable - but it still goes on.
 
 

kallis3

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Post by kallis3 » Wed Jan 28, 2009 5:18 pm
This is what they can do at the moment:

http://www.direct.gov.uk/en/MoneyTaxAnd ... G_10034289
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Breakdown

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Post by Breakdown » Wed Jan 28, 2009 5:27 pm
Thats a good link Kallis, very informative.
Life is a rollercoaster, we just have to ride it!

iva approved. 5 down 55 to go
 
 

blue gorilla

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Post by blue gorilla » Thu Jan 29, 2009 12:38 pm
Bailiffs trying to recover money you owe to HMRC are allowed to break into your home, providing they have a magistrates' warrant.

Bailiffs recovering unpaid magistrates' court fines, however, do have the power to force entry.

Doesn't the above from Kallis' link worry you though? Especially with the amount of incorrect pursuals.
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