Hi Carol, Thank you for your encouraging response. To be honest I am still at the moment disinclined to enter into any dialogue with this company. Since the reposession I have had no contact whatsoever from GE but I suppose my case is further complicated by the fact that I am not even in the UK so communication is difficult. As I understand it GE should have made first contact before appointing a DCA. This may be a silly question but how do I get the template? I'm something of a technophobe unfortunately!

Hi Ell-enn, Thanks for your response & yes I would appreciate it if you could let me have the template letter. Putting the breakdown of the debt to one side I am concerned that my ex-lender (GE Money) have made no attempt to contact me and have merely passed this debt on to a debt collector. Can they do this? Does this not contradict OFT guidance on debt collection agencies? As I said I also cannot find this company on the CCA register. If there is a genuine debt here I am prepared to negotiate a payment schedule despite the fact that I was treated appallingly by GE throughout the months leading up to repossession.

Hi Guys I would really appreciate some advice or observations. In October 2008 my house was repossessed by GE Money. To cut a long story short I had to relocate because of work and tried to rent out the house. I told GE of my plan and they refused unless I took out a very expensive (for me) but lucrative (for them) buy to let mortgage. Suffice to say that I could not afford this and their refusal to compromise ensured I defaulted because I could not afford to pay a mortgage & the rent of a house in the area I had moved to. Since the repossession that I didn't contest (quite frankly I was tired of banging my head against an immovable brick wall) I have heard nothing until a couple of weeks. I have now received 2 letters from a company called Capital Recoveries (a trading name of Debt Management Services (DMS) Ltd) saying I owe them £37,000 this sum being the apparent mortgage shortfall. I have had no communications from GE since 2008. There is no breakdown of this sum and a rudimentary search of some property websites (Zoopla etc) can't even confirm when the property was sold. I am reluctant to respond to these letters without further information but I am unsure what my options are. Incidentally I tiried to search for Capital Recoveries & DMS on the Consumer Credit Act license search page via the OFT website. My searches came back negative. All advice and observations would be truly welcome. Thanks guys.

Help!!!! :mad2:I'll keep this as short as possible. In 2007 I relocated and put my house on the market for sale. Sadly, a week before completion the sale fell through. Being committed to move I asked the mortgage company to let us rent out the property as I could not afford the mortgage repayments & the rent on the property I moved into. Suffice to say they refused but offered to switch me to a buy to let mortgage but charge me a heft sum for doing this. I could not afford to do this. Anyway I fell into mortgage arrears and the property was repossessed in October 2007 you may note that this was all done very quickly. I have now received a letter from an "agent" acting for GE Money saying that the property has been sold and I apparently owe them £37,000. Since the repossession I have had no contact from GE until now. I have no idea how this debt is structured. Strangely, I cannot even find any evidence that the property has been sold. All the usual websites, Zoopla etc show the last sale as when I bought the property in 1997. Does anyone have any experience of this kind of scenario that they could share with me? By using an "agent" as first contact are GE in breach of any regulations?

Hi Hunni-Bee, The advice you have been given by Ida is excellent. Basically, this "tactic" is designed to unsettle someone who may have something to hide but it is arbitary and makes no distinction to those who have genuinely nothing to hide. It instills a "what i have done wrong" thought to the innocent. In a past life I worked in compliance for HMRC and similar tactics were used. The upshot is that you've nothing to hide, they probably know that, so I wouldn't worry

8)Thanks diddydicky, I hope one day Katherine & Nigella becomes a reality for you!

Thanks Bazooka Boo, I am much reassured by your response. I now know for certain that they have no legal rights here and if (as one has threatened) they try to get a UK CCJ I believe the UK court will throw it out as soon as they realise that the debtor is non UK resident.

Hi guys, Thanks for the above (and dicky wicky, aren't you being a tad greedy!) Anyway, apologies for not responding recently, I've not been able to log on for a few days. On my original thread I mentioned that I have two issues and wouldn't you believe it, yesterday I received a letter from a company in Preston called Iqor (formerly Legal & Trade) threatening another doorstep visit to collect a debt I have with a HBOS credit card. I mean what is this with home visits? Have they suddenly realised where I live and fancy a holiday whilst at the same time collecting a debt or two? Seriously, I assume the helpful responses I have had to date apply to this one as well. To be honest my inclination is to just ignore them and treat them as pointless posturing and intimidation. What do you guys think?

Sorry, I forgot to say that I've been Jersey resident since April 2008, I am an outsider, if it helps I am now considered non UK resident (courtesy of HMRC) but as my background is in tax work this was easy enough to confirm.

Thanks chaps there is quite a bit of reassuring information here for me. Incidentally, I'm on Jersey. I must admit that part of me feels that "Snot Call", (nice one, gave me a chuckle) are chancing their arm with a bit of intimidation. I believe that on occasion UK DCA's have sold debts to their Jersey equivalents but this is highly unusual. Anyway, I have a bit of reading up to do now!

Hi, I would appreciate some advice/guidance on the following. There are 2 issues. I live in the Channel Islands, I've been here just over a year. Before moving here my UK house sale fell through and late in 2008 the house was repossessed. I am now being pursued for payment of a HIP. In a nutshell I cannot afford to pay this even though it is a relatively small amount (£466). The "debt" has now been passed to a company called Scot Call who are threatening to visit my home to collect the debt. I suppose my question is, and bearing in mind where I live, can they do this? I cannot find any reference to such matters in local legislation. Secondly, I have a credit card debt also in the hands of a debt collection agency. I was making token payments whilst I was in the UK but since I left they have been demanding higher payments and are unwilling to negotiate, threatening court action. I would appreciate it greatly if anyone could advise me of my possible options? With best (and hopeful) regards:eek: