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Ryan.en
Starting Member
1 Posts |
 Posted - 15 January 2011 : 19:11:57
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| I have already been physically threatened by 2 people that I owe money to. once I declare myself bankrupt will I have to face these people in court at any time and will they at any time have access to details such as my personal address? |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 15 January 2011 : 19:21:30
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Hi Ryan,
What a terrible thing to happen. You should mention to the judge and the OR that your safety is at risk as your address will be public. If they do anything to you, report them to the police also.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
Please read my experience of debt via my blog at http://vikiw.blogs.iva.co.uk/ |
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debtinfo
forum expert
2826 Posts |
Posted - 15 January 2011 : 19:31:40
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| What sort of creditors are they, ie former friends, trade creditors etc |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 15 January 2011 : 22:11:35
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As Viki says you will need to mention this to the court. It's possible to apply to the court for your details to be kept off the public register, but you need to do this at the time of your BR.
View my blog at http://skippy13.blogs.iva.co.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 - it's over at last! |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 16 January 2011 : 10:09:43
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I would certainly inform the police as well. They should be able to do something if you are being threatened.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
xx |
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debtinfo
forum expert
2826 Posts |
Posted - 16 January 2011 : 10:17:54
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| yep as kallis says inform the police, then if you get a crime number this will help with the judfes decision to withold your address |
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Richard P
Senior Member
United Kingdom
1701 Posts |
Posted - 16 January 2011 : 12:27:25
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Hi Ryan
I am aware that their are protocols for debt collection and baliffs agencies to work too, yes they going to phone you, write letters and generally be rude,bottom line is they are owed money. however to be fair most of the bigger companies adhere to the guideline ( i do not have the link to hand for the protocol).
nowhere in the guidelines does it give permission or consent for physical or threats of physical violence, this should be reported to the police
I am also aware that Trading standards and direct.gov were targetting back street loan companies and bad practises including enforcement measures. (again sorry i do not have a link but it was a news item at the beginning of January).
regards Richard |
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Skippy
forum expert
United Kingdom
3290 Posts |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 16 January 2011 : 14:32:11
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Depends on whether or not they are legal as to whether they follow a protocol or not.
I have not heard of any legal debt collectors making any threats towards debtors. They usually go away quite happy when they are told that you are taking steps to address the situation.
Buckle your seat belt Dorothy, 'cos Kansas is going bye bye.
Jan
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 16 January 2011 : 15:59:07
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Good afternoon,
You need to contact the local Trading Standards department. They will have a specific team that deals with bogus lenders who fly in the face of the law. Do it tomorrow!
You may also contact the local police who will also have a team to assist you with a crackdown on bogus lenders (in conjunction with the TSD)
You should also tell the OR
Good luck, Housing
"There are no problems - only solutions" |
Edited by - Housing on 16 January 2011 15:59:53 |
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debtinfo
forum expert
2826 Posts |
Posted - 16 January 2011 : 16:18:24
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| In my experience it is usually former friends or trade creditors that exhibit this sort of behaviour, not legal debt collectors |
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I have already been physically threatened
