home visit

[louiser123]

hi guys
can anyone direct me to the area i need to pull off the template letter regarding home visits? have apex debt management on me telling me they are visiting for coffee! would like to tell them to go do one.

thanks in advance x

[Deepie]

Re: home visit

----------> Harassment & Threat of Doorstep-Visit

[The Tech Clerk]

Re: home visit

Did they offer to bring Biscuits? if not tell them to leg it! = spongers.

[IF]

Re: home visit

Did they offer to bring Biscuits? if not tell them to leg it! = spongers.

[Spud]

Re: home visit

Did they offer to bring Biscuits? if not tell them to leg it! = spongers.

And make sure they are Mcvitties chocolate ones.....They can afford it

On a serious note - Get them a good letter sent off and get a proof of posting from the Post office. Try not to worry about the threat of home visits/ Doorstep collectors ect

In most cases it wont happen..... If it does.....

Just either dont answer the door if it is somebody you dont know or if you have opened the door...

Either tell them no thankyou/ In Writing only and close the door or when they say Mr/Mrs xxxxxxxx Just say sorry I think you've got the wrong address and close the door - You are under no obligation to speak with them and they have absolutely no power to enter your house or threaten anything.

I've had Apex threatening home visits to me for about 6 months and never seen anybody yet!

Keep all correspondance in writing only and you wont go far wrong

[ken100464]

Re: home visit

Apex the DCA that confuses the hell out of itself let alone its clients.

[louiser123]

Re: home visit

thanks guys!

some god posts there that made me chukkle! letter sent off so no biscuits required! lol x

[louiser123]

Re: home visit

----------> Harassment & Threat of Doorstep-Visit

duly signed

[julian]

Re: home visit

Several years ago I was threatened with visits. I sent off a letter telling them not to bother. We spent the next 6 months not answering the door, and creeping around. It was tough. Although I was working and leaving home at 7 and getting back after 8, I scoured the parked cars for people ready to pounce.

Then when I did a SAR to the original creditor, I was sent the screen prints of a series of DCAs' 'treatment'.

One of the DCAs had threatened visits. They noted my letter, but also noted that they visited on several occasions, and noone was at home. They appeared to increase the debt with 'collection activities'.

However, I was very annoyed to see that they had 'interviewed' neighbours. I don't know what was said but the neighbour a few doors down was reported as saying he would not speak to them. They noted his telephone number (?). Another neighbour approached was to be available later that evening.

So much for privacy.

[Pixie]

Re: home visit

I think it's wrong that dcas can question your neighbours about you, but it's apparently legal for them to do so

[SA Gold]

Re: home visit

When i first defaulted with Sainsbury's loans they used to send these almost like post cards saying "a representative will call to your home on x at x to discuss your repayments". Never saw, or heard of anyone. Hopefully, you won't either, but if you did - just remember, tell them to bugger off!

[billytommo]

Re: home visit

Postcards, yes, I've had a few of them. Never seen anyone either, touch wood. Could the postcard bit be an attempt to embarrass the intended recipient? Bang out of order

[SA Gold]

Re: home visit

Could the postcard bit be an attempt to embarrass the intended recipient? Bang out of order

I think that's exactly what their intentions were in my case. Just a shame i don't

[The Tech Clerk]

Re: home visit

When i first defaulted with Sainsbury's loans they used to send these almost like post cards saying "a representative will call to your home on x at x to discuss your repayments". Never saw, or heard of anyone. Hopefully, you won't either, but if you did - just remember, tell them to bugger off!

Usual card call to your home = Telephone call, just another harrasement tool used widely by some DCAs, they stoop too low in their games. as bad as the may/might/thinking in their letters.

[ken100464]

Re: home visit

Society makes out debt is a taboo subject.

That suits the creditors because they can use the embarressment factor to do their dirty jobs.

Of course everybody is just one mistake away from joining the ranks of being in debt.

And show me the person who never made a mistake in their life. Think the last one got nailed to a cross which still seems a prety big mistake in my book.

Suspect that millionaire who took on Barclays a few months back didnt think when he did he was going to be bankrupted by the bank. But he was. And now he is as broke as we are.