Can the Creditor really claim via your employer

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Hammie1

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Post by Hammie1 » Tue Aug 17, 2010 2:22 pm
Hi Everyone

Haven't been on for about a week, but hope everyone is ok.

My husband had a letter from Barclaycard stating that unless he paid the full amount outstanding to his credit card they would either send a debt collecting agency to the door, or demand the full amount from his employer. I am not really concerned about someone knocking at the door as advice that I have read on here before is, it's all standard letters. But the thing conerning me more is can they really go to the employer and ask for the money??.

I checked with one of the IP secretary's yesterday and she told me that it was just a standard letter. Do you agree with this.

Our creditors meeting is on Friday, hurrahh!!!, and I do know that one of our majors creditors have voted yes for the IVA, so we are keeping our fingers crossed that it all goes through, and that we still keep the car. I did'nt ask if the creditor had made any modifications, should I or should I wait??.

Sam x
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

missy80

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Post by missy80 » Tue Aug 17, 2010 2:32 pm
I got a letter saying that too, so I'm interested in the responses. Sorry I'm not any help!
 
 

Michael Peoples

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Post by Michael Peoples » Tue Aug 17, 2010 2:35 pm
Ignore the letter as an employer cannot be contacted unless as part of an atttachment of earnings. Good luck for Friday and hopefully that will be the end of it.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Shining

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Post by Shining » Tue Aug 17, 2010 2:52 pm
Good luck for Friday from myself too. I had a nightmare with Barclaycard when my IVA was going through, luckily nobody called on my house and all went through ok. Let us know how Friday goes won't you? x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Hammie1

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Post by Hammie1 » Tue Aug 17, 2010 2:57 pm
Thanks Michael, I thought that was the case, but you can't help but worry, can you. I will certainly keep you informed after Friday.

Missy - hope this has eased your mind too.

Lesley - Thanks

Thanks
Sam
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

Adam Davies

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Post by Adam Davies » Tue Aug 17, 2010 3:56 pm
Hi
The creditor would have to obtain a CCJ before they could apply for an attachement of earnings order
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Andam Davies
 
 

31101932

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Post by 31101932 » Tue Aug 17, 2010 6:03 pm
This strikes me as just being a bullying tactic to make you scared enough to pay them.

If they did go to your employer without a CCJ and subsequent Attachment Of Earnings Order then they would be on very dodgy ground legally.
 
 

Hammie1

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Post by Hammie1 » Tue Aug 17, 2010 6:53 pm
Hi Andy & 31101932

Thanks very much for you advice, I must admit I was very worried out it, as we don't want our employers, or anyone, apart from my parents, to find out.

Thanks for the reassuring words.

Sam x
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

kallis3

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Post by kallis3 » Tue Aug 17, 2010 11:03 pm
Good luck for Friday Hammie and rest assured that your employer won't be told.

Don't these creditors try some underhand tactics!
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.
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Hammie1

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Post by Hammie1 » Wed Aug 18, 2010 4:32 pm
Thanks Jan - will keep all posted.

Sam x
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
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