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Post by scirocco » Thu May 06, 2010 3:50 pm
My first debt post:

I am currently waiting on my proposal being drawn up. An enveloped card from one of my creditors, Santander arrived in the post this morning informing me that an agent will be calling to my door on Saturday. No other info other than a telephone number to call if this isn't a convenient date.

I have defaulted twice on a relatively small loan with Santander and have wrote to them several times with no reply.

Is this normal?

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Post by Shining » Thu May 06, 2010 3:55 pm
It can be normal I'm afraid, I had the same from Mercers (for Barclaycard) but in my case nobody turned up. Forward it to your IP, I wouldn't personally acknowledge the postcard. If they do turn up remember, you only have to say you're proposing an IVA, you don't have to let them in or give them any money. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.

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Post by Adam Davies » Thu May 06, 2010 4:09 pm
It is quite rare for anyone to turn up, very often it is a scare tactic to panic you into paying.
If someone does turn up they have no powers and you can just send them on their way
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Post by kallis3 » Thu May 06, 2010 4:10 pm
They're very crafty with those cards - we used to get them from Halifax all the time. It could mean a phone call rather than a visit.

If they do turn up, you don't have to speak to them at all.

Have a look at this link - it tells you what debt collectors and bailiffs can and can't do: ... G_10034289
Sharing from experiences of dealing with debt
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