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grantspants
Junior Member
United Kingdom
297 Posts |
 Posted - 29 August 2008 : 13:40:49
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Had my first debt collection letter today, from a debt collection agency instructed by one of my creditors. It says if you do not take any action they can instruct a local door-to-door agent to call at your house and discuss payment of the debt or....
Court action may be taken and they may re-apply to the court for a charging order on the property.
Has anyone had anyone knock at their door? And if so, what happened?
Also how long do I roughly have before they might start action?
I'm really not keen on someone knocking at my door, especially if i'm not in and it's just my wife at home.
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 29 August 2008 : 13:42:31
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Hi Grantspants,
These guys have no power of entry or ability to sieze goods. That can only be done by a certified bailiff who has a warrant of execution issued by the court following non-payment of a CCJ. Timescales do vary considerably.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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grantspants
Junior Member
United Kingdom
297 Posts |
Posted - 29 August 2008 : 15:24:19
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thanks Julian, I am really starting to stress out now, but at least I have a rough date for moving into my new rented home. The only problem is they want me in just before the second pay day that I need to save for deposit etc...phew
It never rains..it pours
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debtfreejo
Junior Member
213 Posts |
Posted - 29 August 2008 : 15:33:06
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Hi grantspants,
Be strong and think about your new home. Try not to panic and try to be positive, it will all come good in the end.
A lot of these letters are computer generated and in a way sent to scare you and most of the time we do exactly that, get scared and worried, but life is way to short and you need to focus on that new home.
I cant remember did you say you have gone BR or are waiting to go BR. Whcih ever way it lies its the best feeling in the world when you can file the letters after the court and send to the OR as its not your problem anymore and the creditors can do nothing to you now.
TTFN
JO |
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grantspants
Junior Member
United Kingdom
297 Posts |
Posted - 29 August 2008 : 15:41:28
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thank u too Jo, and its good to see you back 
I haven't gone BR yet, still trying to decide which way to do it...
Do I :
a. go BR a week before I move into rented house, and run the risk of the landlord seeing my name in the paper before I move in (at least it will be showing my old address in the paper (or will it?). At least then the deed is done and hopefully the stress will subside a little.
b. move into rented first and wait another month and go BR when I have more money, but risk my name being in the paper attached to the rented place.
God knows what to do, my questions are getting more ridiculous everytime, I'm even annoying myself...
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 29 August 2008 : 17:39:43
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Hi Grantspants,
If you go BR prior to getting your rental, you may struggle as most letting agents get credit checks done. Best go for option B.
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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grantspants
Junior Member
United Kingdom
297 Posts |
Posted - 29 August 2008 : 17:47:22
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Hi Julian,
I have already been credit checked for rented house and been approved, just need to sign rental agreement before we move in (around early oct). In light of this, what do you think now? |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 29 August 2008 : 17:51:47
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As long as they don't do another credit check given the timescale, you should be ok. Always better to be on the safe side just in case they decide to do another final check before you move in!
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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BankruptC
Senior Member
1030 Posts |
Posted - 29 August 2008 : 17:53:52
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Hi again grantspants,
We did the second option and are glad we did. We moved out, told none of our creditors so the calls etc have stopped! The letters are still coming, but we're just ignoring them as it's not long now till BR.
As for the rental address going in the paper, as Julian says, they're likely to tell the landlord anyway, so there's nothing to worry about there.
As I said before keep your chin up, you'll get there and feel so much better soon.
And keep asking the questions-there's no such thing as a silly question!
CG. x |
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grantspants
Junior Member
United Kingdom
297 Posts |
Posted - 29 August 2008 : 19:28:33
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Thanks Julian & CG you're real stars you know
If I make myself BR before I move into the rented house but tell the OR (if he's in contact by then) that I'm going into rented will he still speak to the landlord, bearing in mind that there's no chance of me having rent arrears because i'm only just moving in?
Sorry about the constant scenarios, i'm like the annoying kid 'are we there yet? Are we there yet?... |
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BankruptC
Senior Member
1030 Posts |
Posted - 29 August 2008 : 19:35:53
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Hi again you ,
To be honest nobody can know what an OR will do-there seems to be little consistency in lots of areas when it comes to what each individual OR will do or not. I know that doesn't help you! You can always ask the OR not to get in touch, explaining you don't have arrears etc, but they still might-sorry.
Have you checked your tenancy agreement to see if there'sany mention or BR? If there isn't, you should theoretically be ok even if the landlord is informed.
Keep up the annoying questions-it stops me having to watch this boring football match my hubby's got on tv!!
CG. x |
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grantspants
Junior Member
United Kingdom
297 Posts |
Posted - 29 August 2008 : 19:41:36
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There's footie on, oh well then i'm off! haha. No only kidding
I think my best course of action is to give the letting agency a holding fee (the landlord wanted us to move in quicker than we wanted but said a holding fee would do to make sure we are serious), then go BR asap and then that give me a few weeks to see what happens. Although technically then I can't put down my rent on the SOA because i'm not in the property at that point. So would I just leave it off the SOA and tell the OR of my intention to rent and leave my home during my interview? Phew, what a mission this is turning into...
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BankruptC
Senior Member
1030 Posts |
Posted - 29 August 2008 : 19:48:35
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Haha bless you.
I'm not sure what you'd put on the SOA in that case, but I'm sure someone will come along and let you know.
Check out what I said to Andrew on his post just a few minutes ago about how we went about it. It could give you some tips (if you can keep yourself away from the footie long enough to do that!  )
CG. x |
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John
New Member
United Kingdom
73 Posts |
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debtfreejo
Junior Member
213 Posts |
Posted - 29 August 2008 : 20:25:28
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Meow John,
Haha!
JO |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 30 August 2008 : 14:06:46
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Handbags at dawn :)
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Topic |
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Debt collection letter
