Debt Collectors At Door

Hi Guys,

Need some guidance here. I sent my 3 letters and Lloyds have now passed it over to Fidelite DCA and rather than sending me several letters like others demanding payment they are going to pay a visit they stated date and time (which is good).

What is my best course of action? Anyone else dealt with these guys?

https://i.servimg.com/u/f58/19/66/35/54/113.jpg

Hi ,

One course ,the one I have taken ,(having previously arranged things so that no assets are traceable ).

I would demand certain things from them. To which you are entitled to.

1 . Demand they supply a fully compliant Risk Assessment and a fully compliant Method statement.

2. A copy of their & their employers Public Liability Insurance, as you require to inform their insurers of the
possibility of a claim.

3. As yours is private property ,recording ,audio and or video is strictly forbidden.

4. If they are still willing to call .Tell them they must make an appointment & the cost of this will be £ 100.00 ? paid in advance to cover your time as you do not work for free.


5. Inform them that if they fail to comply with any of the above requirements ,their Implied Rights of Access are
immediately and permanently withdrawn .

This will in all probability result in no visit.Of course under no circumstances let them in .
Just remember you are entitled to all of the above & all of the above will cost them money which i doubt they will be willing to spend.

Please keep us informed .

regards dave

start the 3 letters again with the new DCA , If they send any one to you home just tell them to go away and shut the door on them ,( never let them in your home) , DCA will lie and try and bully you , DCA are only people in a office no special powers and they are not enforcement,
myself personally would not send the 3 letters to the bank , wait until it goes to a DCA

Get some good guard dogs, mine loke bailiff meat.

that pretty much covers it or like dave said in part 5 just write and with draw there implied right of access if they come after that they are trespassers. tell them to leave if they do not they become criminal trespassers and they are in poo poo land

[quote="petesomething"]start the 3 letters again with the new DCA , If they send any one to you home just tell them to go away and shut the door on them ,( never let them in your home) , DCA will lie and try and bully you , DCA are only people in a office no special powers and they are not enforcement,  
myself personally would not send the 3 letters to the bank , wait until it goes to a DCA[/quote]

I would not even open the door to them or speak to them I do not know who they are. I need to do background checks which is time consuming just like they do disclosure checks of us before they believe who you say you are. This takes weeks. So, why can't we do the same same law.

I thought that as well but what the 3 letters do is enforce the bank to move onto the next stage which is sell the debt on to them. You will have to wait more time until they pass it on as they call it actually sell it on which some companies have held their hands up and admitted it.

[quote="assassin"]Get some good guard dogs, mine loke bailiff meat.
[/quote]

Fantastic advice however inconvenience due to vulnerable people living at the house.

[quote="ceylon"]that pretty much covers it or like dave said in part 5 just write and with draw there implied right of access if they come after that they are trespassers. tell them to leave if they do not they become criminal trespassers and they are in poo poo land[/quote]

I would prefer just waiting until they left if they stayed for 4 hours or so I would call police as harassment.


I am expecting 4-5 visits in the coming weeks so planning to park my car away from home and not opening the door as I have put up a sign saying ONLY friends and family welcome unknown people require appointment only.

Could they call the police and locksmiths if I dont open the door? I will call the police on police or locksmiths if they try to break in by drilling.

Thats is great advice if u face them i feel like doing it however risk is too great they will ignore everything and break the law and enforce entry and take away goods like criminals.

No they cant do any of that all they could do is ask you to pay and thats if they turn up
they need to go to court (very unlikely) and then get a warrant if you did not pay
they live on fear
they have no power at all apart from what you give them
watch some of my videos on my youtube channels and you will see how strong you are when you take back your power

here is one



https://www.youtube.com/watch?v=0sW9BTJ4FnA

Thanks ceylon you're a hero to us all

sound advice from all ! the dca has no more power than the milk man collecting his weekly amount however the milk man actually provided something to ask payment.
having sent the three letters to lloyds and no response only to instruct a dca , yourself having promised to pay at all times upon proof of valid debt .
then write to the dca in red ink always in lower case and simply tell them to "get out of your commercial affairs " if lloyds have a valid claim let them bring it themselves , never sign any correspondence ,
of the many examples on you tube , bill turner , and the example of ceylon's postage stamp.
the main thing dca no power, two ffs in off. no worries.

It will do the rounds now, it will be sold on and on again.

The reason i would wait until it goes to the DCA ,its because they will not have the paper work , we say they have no power and they are not enforcement, you cant be afraid letter box or front door

[quote="petesomething"]The reason i would wait until it goes to the DCA ,its because they will not have the paper work , we say they have no power and they are not enforcement, you cant be afraid letter box or front door[/quote]

I get you however some people have sent 1 letter to original creditor and its been written off no more hassle, but I think that is rare nowadays. Different creditors have different attitudes towards the debt depending on if you have assets and how big the balance is in my view.

If this helps & your situation is similar to mine.This is what I did with an alleged CC debt of just under 5K .
I demanded all the points in my OP above & also informed them that i do not have a vehicle (its not in my name anyway)
I do not own my home & any and all goods, property & items at or in this address are not owned by me and I hold title to nothing.

I also asked them for proof of claim & also asked how they were going to provide this when the OC were unable to.

They will no doubt write informing you that they will get agreement from OC and this will take about 14 days.
This is when i remembered Troys talk at Nottingham & thought why am I letting them dictate the timescale?

Use the three days timescale .The response I got was "we deem this debt to be unenforceable".

This by the way is after it had been sold on.

If you do not own your home its easy to get your assets in a family members name & if you get a ccj there is still nothing bailiffs can touch provided you have a receipt for your goods dated before any bailiff involvement.

Trusts work very well here, but you do have to get the correct type of trust. Then they are fighting the trustees and not you, experienced trustees are much harder for them to fight.

yeah I heard about trusts before they are expensive.

No, they're not if you do them correctly.

[quote="daveiron"]Hi ,

supply a fully compliant Risk Assessment and a fully compliant Method statement.
   

[/quote]

What is this? Is this a legal or insurance documents?

Its Health & safety .As they are acting in commerce on your property they MUST supply this to you if you request it.
Also it must be specific to you & your property .Health & Safety Executive are the last people they will want involved.
Assassin can explain this better than me.

All of the things in my post are things that they must comply with if you request them.

Use the law to your advantage & enjoy.

Very interesting didn't know about health and safety issues when someone is visiting.

How much do they normally cost for a company to get one on yourself/property does it depend on your house type/value?

Yeah your right use the law as the law has gone against me previously I am now law conscious nowadays.

Its the time and the cost of this time that counts .

What you need to remember is that they & bailiffs etc are no different to anyone else working at your property,they are there in commerce just the same as a builder ,gardener etc. & dont forget insist on a copy of their public liability insurance and inform their insurers that should they cause any damage or cause you any distress you will be making a claim against them.
These are all things they will not want to get involved with.

These are all just another way to help defeat these scum .

Is there a template letter to send to harassing creditors sure would be good thing to add to the list.

There was one on vulnerable household members seems similar to that.

They work for a company, therefore they are in an employed status and health & safely at work applies to them.

A risk assessment is an assessment of all risks and potential risks they may be subjected to and this must include ALL risks and ALL perceived risks.

Method statements are a way of dealing with any risks encountered and how they would deal with a specific risk and it outlines what they have to do to mitigate that risk, and sets out the actions they have to carry out to avoid it.

Lets look at an example, bayleaf comes to your door, what risks await him, you may have a nasty dog who will bite him, you may punch his lights out, you may put a shotgun into his face, these are all real risks and they must be listed on a risk assessment.

Method statements give specific instructions as to how they deal with this risk and outline in detail the actions the bayleafs HAVE to take by law to keep themselves safe, omit this and they are in a heap of shyte and sinking fast.

They fall down many times in this area and if you cannot get them then H&S will, another example:

Bayleaf climbs over your 6' fencing panels, has he been adequately trained? has he got the correct ladder or working platform (if its over 500mm in height he needs one by law)? has he checked the condition of the fencing to ascertain it will hold his weight? and has he got an appropriate means of exiting the fence onto the other side, another platform or suitable ladder.

Is he suitably trained to set a ladder (Sky now train all their installers to set an approved bolt into properties to restrain their ladders) and is it suitably anchored, has he got suitable qualifications to ascertain the suitibility and strength of the fencing panel, and is someone footing the ladder while he ascends it. They cannot climb it and just jump it now if it is higher than 500mm high, if they do then they are breaking the law and if you have video evidence H&S have a conviction awaiting him.

novel like none sense nailed in less than half a page !
as they attend in paint ball like attire this angle enhanced could well check them at source .
good examples.

Great advice, however the list on both the risk and method statements could be endless hundreds of situations could arise including the porch roof caving in to a wobbly slab. So, if that were to happen without a risk or method statement listing them they would NOT be covered by insurance or H&S?

Their Public Liability Insurance acts the same as third party car insurance ,it is there if you need to make a claim against them.That is why you require these insurance details & when you get them inform their insurers that should the enforcers cause damage ,distress or in any way violate your rights ,YOU WILL be making a claim. That the insurers will not like.
With H&S yes the possibilities are endless ,but the two examples you listed ,should they happen then clearly they were a risk in the first place. In any event H&S is their problem not yours.

The methods regarding this course of action is just additional obstacles to put in their way .As the 3 letters etc still are very valid they have been around for a good while now & these lowlife know that some people who use the 3 letters will panic if they do not appear to be working.

To stay on top of the game we cannot stand still ,we need to adapt & evolve our methods.