Chat & Social > The Bar - General Chat

any legal bods out there?

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beast5680:
i have no probs with my credit rating or being blacklisted on this property banks would throw money at me if i let em, trouble is couldnt pay it back :lol:

Wanderer:
I've got the same problem :)
It's fine getting it off them. It's when they come for it back :(

I wonder if I could set up my own debt collection agency and buy my own debt off them and make money out of it :)

wibble:

--- Quote from: "Wanderer" ---My worry would be that...
Should a warrent be issued (rightly or wrongly) and no one is in at the time then they can enter the property to enforce it.

The fact they have got it wrong won't lessen the grief and bother involved in getting it sorted after they've taken the gear (if they can do that)

So if you see something from them or the courts to say one has been issued then something needs to be done.

As Andy said it does affect your credit rating via the property.
Even now my daughter has problems with credit applications due to the property.
We cleared the problem with CCN but obviously some info is stored elsewhere.
--- End quote ---



Neal

first of all DONT PANIC
The debt is essentially unenforceable to you, you have taken all the correct steps to inform the collection company of the change of occupier.

I know you state you have spoke to them and wrote but send one more letter explaining

the date of change of occupier and any information you may have on the current whereabouts of the debtor. Also put in the letter that you have tried as much as possible to assist with their investigations and that you hope the matter is now at an end, explain that if they continue to contact you or make any steps to apply a credit blacklist against your address (or even you!) that you will see this as a ''course of conduct amounting to harrassment'' (in that their actions would only be warranted in the lawful execution of their duties. as they are pursuing the course of conduct against you, the new occupier and not the debtor the actions are no longer lawful once you have satisfied them that you are not who they are after) you would then refer this conduct of harrassment to the local police who will take action against the company and get them off your back

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