Can Creditors Threaten To Take Possessions From My Home?
Debt Question of the Week
One of my creditors keeps saying they will come to the house and take my possessions. Can they do this?
1) If you have a County Court Judgment (CCJ) that you are not making payments to, one of the penalties that can be imposed it to have a Bailiff come to your house with a view to try and obtain either a regular payment from you or to gain peaceable access to levy on the goods you have.
2) However, it is becoming common practice for a creditor, that doesn’t have a County Court Judgment (CCJ) against you, to send a ‘local representative’ to your house to try and persuade you to make a payment to him/her directly. This person is NOT a Bailiff and has no legal rights.
3) The easiest way to understand the role of a local rep is to see them as a walking version of a letter, asking you to make a payment. It’s possible that the creditor feels that if you have someone stood on the doorstep – perhaps in view of your neighbours – and making a request for a payment, that you are more inclined to pay him to get him to go away.
4) Our advice would be that if you are notified of a pending visit by a local representative, you write back to the creditor, advise them that you are not prepared to have someone come to the house demanding money, when you are already paying a gesture of goodwill to the creditor directly and tell them that whilst you are endeavouring to reduce your debt level, they are making this more difficult by charging you for this visit.
5) If your debts are out of control and you are struggling to pay debts to your creditors, then contact Payplan for free debt advice
Written by Administrator on March 5th, 2008
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