Halifax would like to visit!

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baldy

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Post by baldy » Fri Sep 24, 2010 6:28 pm
Hi, we are still waiting for our draft proposal (IVA) must have taken about 7-8 weeks to get to this stage.
Had a letter from the Halifax today(always get the nice letters on a Friday!) saying they would like to visit our house on such a date and if not convenient please ring this number.Has anybody had one of these before?

We are always ring to tell verious creditors the situation and they always respond as if its the first they know of our situation.

Is it worth ringing them, or just file it with the rest? Many thanks.
 
 

Goosed

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Post by Goosed » Fri Sep 24, 2010 6:43 pm
Hiya baldy,
I got the same letter off Halifax during the build up to my creditor`s meeting. Look at the wording again, you may find it says "One of our representatives will be CALLING your house on..."
It`s designed to scare you into thinking they`re sending the heavies round when in fact they will call you on the phone...That`s what happened with me anyway, and I never phoned them or answered their call...I always kept my phone on silent and just deleted all messages from my answer machine.
Keep strong, you`ll soon be there.
Last edited by Goosed on Fri Sep 24, 2010 6:46 pm, edited 1 time in total.
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Lou74

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Post by Lou74 » Fri Sep 24, 2010 6:46 pm
I would tell your I.P, whom I'm sure will reassure you. I do think that this is probably just a scare tactic though. They tend to word things in such a way. I had an answer phone message from the lovely Mercers who told me that I needed to phone them, or else a debt collector "will call" This probably means that they will phone me rather than actually call at my house.
Please don't worry. it sounds like you are close to getting things sorted. I wouldn't call them, as I said just pass it to your I.P.
 
 

Lou74

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Post by Lou74 » Fri Sep 24, 2010 6:48 pm
Posted at the same time as you Goosed!
 
 

Broke of London

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Post by Broke of London » Fri Sep 24, 2010 6:49 pm
OMG - I forgot about these! I had a couple of letters like this too. Don't worry baldy because they do mean phone calls.

They must have had such a laugh at me when I called to sort out a time for their visit and beg them not to reposess my stuff!!!!
 
 

TheMatrix

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Post by TheMatrix » Fri Sep 24, 2010 6:50 pm
Yes, they are going to send the boys round to everyone proposing an IVA, I doubt they would have the resources to do that. I suspect Goosed is right, and they will be CALLING you at home on the blower.

So cheeky though
Last edited by TheMatrix on Fri Sep 24, 2010 6:51 pm, edited 1 time in total.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
 
 

Goosed

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Post by Goosed » Fri Sep 24, 2010 6:51 pm
Lou74 wrote:

Posted at the same time as you Goosed!
Simultaneous keyboard warriors[:D]
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".

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kallis3

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Post by kallis3 » Fri Sep 24, 2010 7:40 pm
I had the same and they never visited or phoned when they said they were going to.

However, it is not beyond the realms of possibility that debt collectors could call.

I know of a couple of posters on here who have had them call.

The good news is that it is extremely rare and you don't have to even open the door to them.
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
 
 

Sinking Fast

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Post by Sinking Fast » Fri Sep 24, 2010 7:45 pm
Hi Baldy,

As others have stated do not worry, We owed Halifax over £15k, and received 2 of these notices. We got no phone call, and no one came to our door.

Good luck with your IVA proposal.
 
 

Broke of London

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Post by Broke of London » Fri Sep 24, 2010 7:48 pm
Tho if you don't open the door they are allowd to crawl thru open windows! I used to go around making sure the windows were shut and the gate was locked.

I think they prefer to send out letters at £25 or £50 a go telling you that they will be coming round rather than actually doing anything. I had loads of these letters over the 6 months prior to the IVA but no-one ever came round.
 
 

Sinking Fast

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Post by Sinking Fast » Fri Sep 24, 2010 7:54 pm
Hi Broke.

Only COURT APPOINTED BAILIFFS are allowed to enter your property by the way you describe.

Representatives of creditors, or even DCA's cannot enter your property. They are on a par with the paperboy, or girl when it comes to entering your property.
Broke of London wrote:

Tho if you don't open the door they are allowd to crawl thru open windows! I used to go around making sure the windows were shut and the gate was locked.

I think they prefer to send out letters at £25 or £50 a go telling you that they will be coming round rather than actually doing anything. I had loads of these letters over the 6 months prior to the IVA but no-one ever came round.
 
 

Sinking Fast

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Post by Sinking Fast » Fri Sep 24, 2010 7:56 pm
 
 

kallis3

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Post by kallis3 » Fri Sep 24, 2010 7:56 pm
This is a good link so that you know the rights of debt collectors and bailiffs:

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
 
 

kallis3

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Post by kallis3 » Fri Sep 24, 2010 7:57 pm
Great minds think alike SF!
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
 
 

TheMatrix

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Post by TheMatrix » Fri Sep 24, 2010 7:58 pm
Private debt collectors do not have power to enter your property, only county court bailifs can do that with a court warrent.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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