home visit

[SaltnVinegar]

Re: home visit

Yep, because they will have moved on to someone who wont challenge them and yours will be at the bottom of the pile

Yes to quote 'management speak' they will go after 'the low hanging fruit'

[SaltnVinegar]

Re: home visit

Agreed and this is where i believe the whole thing falls down SnV. When people are struggling its almost like they think "weak person, attack, attack, attack". What happens then? Often people fight back and they get nothing!

I wouldn't even necessarily have an issue with the 'attack, attack' mentality as I can understand that (to a very small degree).

What I despise is the fact that the 'attacks' have to breach every guideline in the regulators books and that they behave in such an immoral fashion, yet expect customers to be 'holier than thou art'.

I don't understand what calling a debtor 20 times in a week achieves when you have been told that the debt can only be repaid back at £x/month.

I don't understand how a company can get away with making threats of action that legally they are unable to take (e.g. charging orders for small debts or bankruptcy).

I don't understand how talking to a debtors children telling them that 'daddy is in trouble' is going to magically make money appear on the table.

I don't understand how hounding people on social media and breaching DPA rules by effectively telling all their friends they are in debt can be allowed.

I don't understand how debt collectors can be allowed to turn up at the beds of debtors who are hospitalized to harass them to make a payment plan.

I could go on................

[SaltnVinegar]

Re: home visit

Love that post by S and N... I wrestled with my conscience about " you signed, you owe it so pay back in full"...

Apex sent me a doorstep visit letter...I responded with the template letter on here...They never came,and handed the debt back to the OC....

They were miffed cos I shunned them...

Good stuff Susie

TBH - Apex are that inept that any 'field agent' they sent out would probably get lost on the way to the bus stop anyway

[SA Gold]

Re: home visit

Love that post by S and N... I wrestled with my conscience about " you signed, you owe it so pay back in full"...

Apex sent me a doorstep visit letter...I responded with the template letter on here...They never came,and handed the debt back to the OC....

They were miffed cos I shunned them...

Yep, because they will have moved on to someone who wont challenge them and yours will be at the bottom of the pile

[Susiebling365]

Re: home visit

Love that post by S and N... I wrestled with my conscience about " you signed, you owe it so pay back in full"...

Apex sent me a doorstep visit letter...I responded with the template letter on here...They never came,and handed the debt back to the OC....

They were miffed cos I shunned them...

[SA Gold]

Re: home visit

Now you can throw the moral argument of 'you borrowed it so pay it back' at people but ultimately when the banks are behaving in the way I point out above then why should they think their customers should behave any differently?

Agreed and this is where i believe the whole thing falls down SnV. When people are struggling its almost like they think "weak person, attack, attack, attack". What happens then? Often people fight back and they get nothing!

[SaltnVinegar]

Re: home visit

Absolutely agree - and at risk of going slightly off topic here so apologies to Louise

What galls me the most is that the banks/creditors are quite happy to plough $$$ into lawyers to figure out loopholes to avoid their obligations, whether that is taxes, compensation, mis-selling, debit card chargeback, refunds on fraud, closed/lost accounts, unfair charges, fixing markets and interest rates, the list goes on and on.

However, they are then prepared to throw (and ignore) legislation at joe bloggs in the street, who, to be fair, hasn't got a cat in hells chance of understanding the complex legislation behind the products they are being sold.

Now you can throw the moral argument of 'you borrowed it so pay it back' at people but ultimately when the banks are behaving in the way I point out above then why should they think their customers should behave any differently?

Indeed the banks behaviour isn't just morally wrong but actually criminal in some cases, yet how many bankers have actually been arrested and charged?

So bugger em. They are getting whats been coming to them for some time

[SA Gold]

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.

very true Ken!

[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.

[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.

[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

[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

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!

[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

[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.