Make an official complaint to HSBC & report them to the financial ombudsman.

I think the whole population should start sueing the CRA's - that would put the cat amongst the pigeons

Just ring them up & taunt them even more that is stat barred. Tell them that you have the money on you there & then and are just about to go shopping on the town with it all

Dear Sir/Madam I write to you to demand that all communication with myself stops with immediate effect. Any furthur harrassment by your company will put you in breach of the Protection from Harassment Act 1997. I will then seek police advice. I trust i make my position clear. PRINT NAME DO NOT SIGN

It certainly makes you realize that money is definately the root of all evils in the world It also makes you realize whats important in life & what isnt. For example..getting that loan or mortgage really doesnt mean a thing.

A programme on BBC 2 right now till 10pm All about the financial collapse. Looks interesting 8)

Just going a bit off topic here a bit if i may.....i wonder does the government know about what is going on with this scandal? Id imagine it goes without saying that there will be political consequences of all this for Gordon Brown & co in terms of, it is they (although not directly responsible for it happening) that as the government of the land, is preciding over so many of its citizens being threatened like this & being seen to not be doing anything about it. There's a general election next year Mr Brown if you hadnt realized

The politicians & the authorities cant seem to control them...so the public will via sites like this

Bailiffs do have a role to play in society Vint, i agree - but only those authorised by the courts. Bailffs not authorised by the courts have no role to play in society whatsoever.

Dont worry about Lowells, they wont actually do anything anyway others than send out threatograms. Just make sure you refuse to answer security questions if they ring & to send out the relevant get lost letters if need be...

Go right ahead PGH & put the cat amongst the pigeons..you know you want to

Its for Lowells to prove that you do owe a debt, not for you to prove that you dont. Dont expect Rob way to do you any favours..they are more likely to conspire with Lowells to squeeze what they can out of you. If they dont leave you alone, then just sent them the anti harrassmet letter in order to get them off your case

I think ACS like to play a clever game of spin & psychology as well in my view. If you look at their website, everything is worded in such a way that it leaves no room for doubt, for example it will say something like - "This will happen" or "This has now been done" etc...its a clever play on words in my view & anyone reading their site who didnt know their rights would easily be intimidated by how they come across & more likely to pay up out of fear

Contact RBS as well & make an official complaint with them.

Make your local police aware of this (not 999) & get a crime reference number. If he turns up again, do ring 999 immediately.

It states on the "Being threatened" site that they think this latest update is a bluff to frighten people

The latest update from their website: Update: The first batch claims have been prepared and were filed at court on Friday, 4 September 2009. Service of the proceedings will be made by first class post and will be with defendants by Tuesday, 8 September 2009 at the very latest. The second batch of defendants will be selected on Monday, 14 September 2009 1 - Isnt there a postal strike on at the moment? 2 - Are they expecting the selected person to attend the court & if so are they gonna pay their travel costs? 3 - Wonder how they are "selecting" these people as such?

Maybe she couldnt tolerate having the surname "Swallow" anymore & the neverending amount of grief caggers were giving her over it

This whole area is complex, have a read of this.... If you think that bailiffs may call at your house, be aware that you do not have to let them in. However, if you leave any doors or windows open they have the right to enter through them. Once they have gained entry they may also force entry to any other parts of the premises. However, if you do refuse to let them in then they will be sure to return at some other time and the problem will not go away. In the long term you need to seek help from one of the agencies listed below. What can I do if I receive a notice to say a bailiff is coming to my house? If you have received notification to say a bailiff is going to call at your house, you may be able to negotiate with them or the lender (creditor). You may also be able to make an application to the court to suspend the bailiff's action. Your local CAB or an advice agency will be able to advise you on how this can be done. If you cannot suspend the bailiff's action, it may not be too late to make an offer to the bailiff to repay the debt over a period of time. If you cannot afford to make the bailiff an offer, your local CAB may be able to help by negotiating with the bailiff on your behalf. When you seek advice make sure you have all the necessary papers left by the bailiff. If you know a bailiff is going to call, try to have a witness there and make sure you note down everything the bailiff says or any of the powers they claim to have. Read on for a fuller and deeper insight on bailiffs. A visit from a bailiff can be a frightening and stressful experience. This page explains what a bailiff can and cannot do when they call at your home. How do I deal with a bailiff at my door? The bailiff can call at your house at any reasonable time to seize goods, but you do not have to let them in. The bailiff cannot enter your house by force, but they can legally enter your property through open windows or unlocked doors, so make sure all your doors and windows are locked or closed! Once the bailiff has been inside your house by entering peacefully, they can call again at a later date and enter your house without your permission, forcefully, to remove your goods. When seizing goods the bailiff must leave the premises safe. When in your house the bailiff has the right of access to all rooms and can force their way into other parts of the property. Which goods can a bailiff take? There are some exceptions to what the bailiff can take from your home:- A bailiff acting on a County Court Judgment cannot seize clothing, bedding, furniture, household equipment or other goods necessary to meet basic domestic needs. Generally, no bailiff can seize tools, books, vehicles or other equipment necessary for personal use in employment or business. However, a bailiff acting for Poll Tax, Council Tax, VAT and Tax may be able to do so. No bailiff can seize goods belonging to anyone other than the person named on the distress warrant. A bailiff cannot seize goods subject to a hire purchase or rental agreement (goods on credit sale can be seized because they belong to the person). Goods you own jointly with someone else can be taken. The bailiff may take the goods away immediately, but what will usually happen is that the bailiff and the debtor will come to an agreement known as a "walking possession agreement". This means that the debtor has agreed to pay the bailiff a maximum of 45pence plus VAT per day for the continued use of the goods. This is not permanent and will only give the debtor a few days to try and re-negotiate with the court. If a bailiff has gained entry and the debtor does not want the goods to be removed immediately, this agreement has to be signed. Goods seized by the bailiff must be put into auction to be sold, the bailiff is under a legal obligation to obtain the best price possible. As the goods are second-hand, the value of the goods are only a fraction of what their new value was. A bailiff will often identify many more goods than you might expect. Your rights You cannot be sent to prision for not co-operating with a bailiff. You do not have to let them into your house. You should seek advice as soon as possible. A bailiff must not threaten you illegally, force entry to your home or use offensive language. If you are concerned about a bailiff's behaviour, you can complain either to the creditor or to the court that sent them. Types of bailiff A bailiff is someone who is instructed:- by a creditor to enforce a money debt or a fine by a landlord to carry out an eviction by a creditor to repossess goods under hire purchase or a conditional sale agreement to enforce an injunction A bailiff has legal authority to carry out these actions. A bailiff can enter your home and take away possessions which, when sold off, will go towards repaying the money owed. There are three different kinds of bailiffs: County Court bailiffs, Sheriff's Officers and private bailiffs. County Court bailiffs are directly employed by the County Court and must follow guidelines laid down by the Lord Chancellor's Department. Sheriff's Officers are contracted by the High Court and work in geographical county areas. They work out of the local Sheriff's Office under the control of an Under- Sheriff who is usually responsible for that area. If a creditor has a CCJ of more than £600 they can transfer the judgement up to the High Court for enforcement. Private bailiffs are self-employed, employed by a private firm, or employed as bailiffs by another organisation (e.g Local Authority, Inland Revenue). Certificated bailiffs are granted a certificate following an application to a County Court. Certification is only necessary to empower a bailiff to levy distress for rent arrears and council tax arrears and to enforce road traffic debts, although some local authorities will insist on this for all bailiff work. To be granted a certificate a bailiff must:- 1) Satisfy the court that s/he is a 'fit and proper person' to hold a certificate and possesses sufficiant knowledge of the law of distress; and 2) Lodge in court a bond or deposit for £10,000 or have an insurance indemnity for this amount. A new security must be provided if the old security runs out or is reduced.

If you were given licence/authority by a court - then thats fair enough. But if you werent then you could simply be told to go away as you would be nothing more than a potential tresspasser/burglar effectively.

If he isnt working for a court, then he has no right to enter your property = end of.

Intrusive or not..thats irrelevant - the person is under no legal obligation to answer anything. If thats being obstructive then so be it. Only the likes of the police/courts have the power to personal info - nobody else. Even then, im sure ive heard of the "right to remain silent" law before

I always liked you really

That runs the risk of verging into vigilante territory. The courts are not perfect, but thats a political argument & the rule of law/the courts has to be obeyed/complied with at all times until the powers that be replace it with something better with regards to your example.

I cant speak for everyone - but ive never thought of DCA's/bailiffs to be stupid as such, they are just as human as the rest of us & are doing the job they are employed to do. Deluded when it comes to what they think they can do, most certainly - but stupid? no.