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Sinking Fast

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Post by Sinking Fast » Wed May 19, 2010 3:36 pm
Afternoon,

I have today received a letter, which in all honesty looks like a salary slip, from Halifax who are one of our creditors.

It states that "One of our agents will be calling your home on Saturday 22nd May 2010", and if this date is inconvenient for me to call them.

As anyone on the forum received similar notices from Halifax?

It will be a waste of his/her time, but their we go.

Thanks.
 
 

Adam Davies

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Post by Adam Davies » Wed May 19, 2010 3:54 pm
Hi
It is very often a scare tactic to make you pay. I think that it is very unlikely that anyone will turn up at your house
Regards
Andam Davies
 
 

sprowstonboy

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Post by sprowstonboy » Wed May 19, 2010 4:21 pm
Hi

I had several of these, from a different creditor, all they did was ring me on the specified day. It's was a 'clever' use of ambiguous language designed to frighten me!
 
 

Sinking Fast

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Post by Sinking Fast » Wed May 19, 2010 4:41 pm
Thanks for your answers.
I suppose the fact they state "will be calling your home" can be misconstrued.
sprowstonboy wrote:

Hi

I had several of these, from a different creditor, all they did was ring me on the specified day. It's was a 'clever' use of ambiguous language designed to frighten me!
 
 

Tracey

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Post by Tracey » Wed May 19, 2010 6:06 pm
Hi, I had one the same and phoned the company and she said that somebody would be ringing me on that day not actually calling to my home. Like you said it is the way they word the document, I think they do it on purpose to scare you. I did not receive a call and nobody turned up at my house so don't worry.
Tracey
 
 

GettingHelp

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Post by GettingHelp » Wed May 19, 2010 6:54 pm
Hello There

I too have had one of those from the Halifax, and I waited in and no one called, this was last week. Please do not be intimidated by these letters, forward them on to your chosen IP, all is fine.
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Shining

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Post by Shining » Wed May 19, 2010 7:12 pm
I had one from Mercers when my IVA was in the set-up process, they didn't visit me x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

666

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Post by 666 » Wed May 19, 2010 7:12 pm
There is a letter template around that informs them their right to pay you a visit at home is revoked and if they turn up you'll report them for trespass. It's fairly strongly worded (and probably not enforceable!) but it made me feel better sending it ... given all the threats their automated systems throw out at us over the months!!
I can stick a copy up if you fancy sending it [:I]
 
 

Sinking Fast

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Post by Sinking Fast » Wed May 19, 2010 8:32 pm
Hi 666,

Yes that would be good if you could. Im not in the least worried about this letter - hence the tongue in cheek title to this thread "Were coming for you"[:D]
666 wrote:

There is a letter template around that informs them their right to pay you a visit at home is revoked and if they turn up you'll report them for trespass. It's fairly strongly worded (and probably not enforceable!) but it made me feel better sending it ... given all the threats their automated systems throw out at us over the months!!
I can stick a copy up if you fancy sending it [:I]
 
 

scirocco

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Post by scirocco » Wed May 19, 2010 9:08 pm
I had one a couple of weeks ago. I posted on here as I was worried about it and was advised not to worry.

No-one called to the door and no-one phoned.
Dave

He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion
 
 

666

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Post by 666 » Wed May 19, 2010 9:29 pm
here you go - amend as you see fit :)


'I refer to your specific point suggesting an agent may call at my home to discuss my account. Under the rules set by the Office of Fair Trading (OFT) you can only arrange a visit to my home if I wish to make an appointment and I have no such wish to do so.

There is an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions. Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and, if you do so, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.'
 
 

Daveyboi

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Post by Daveyboi » Wed May 19, 2010 9:44 pm
Hey 666

Nicely worded however I believe the same as the others that they are ambiguously meaning someone will phone you on that date. If you are in an IVA all chasing phone calls are to stop anyway and if they don't I would call the IP and get them to have a friendly chat with said creditor :D

Take care

Davey
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kallis3

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Post by kallis3 » Wed May 19, 2010 11:07 pm
We had loads of these from Halifax and although it is ambiguous, it does mean they will phone and not visit.

However, even though I never phoned them to say that it wasn't convenient, they never actually called.
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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Shining

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Post by Shining » Thu May 20, 2010 6:59 am
We've had one or two posters who've had a visit and I don't want to scare anyone but just to let you know that it may happen but I do believe it's very rare. Wasn't Viki one of the people who had a visit once? x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Sinking Fast

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Post by Sinking Fast » Thu May 20, 2010 8:21 am
Thanks all.

I have a letter ready and waiting for their agent if he/she arrives this weekend. This will explain our situation going forward.
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