I've only just been able to get back online. I just wanted to say thankyou, I'll do that tomorrow.

Hi all. I am writing this as I'm a little confused. Back in 2004 I had an HSBC current account that became overdrawn. I rang them and they very kindly cancelled the money I owed them and closed the account. I remember this as at the time I was very surprised that they cancelled it and I didn't have to pay. The overdraft was charges from the bank which may be why. About a week ago I received a letter from Equidebt saying they were looking for me which I ignored. Today I received a debt collection notification saying the creditor is Activ Kapital and its for an HSBC current account. If it is my debt I know the debt must be SB as it was so long ago, I'm just confused as I'm sure my HSBC matter was closed, as it was at my parents address so I would have still received correspondance had it not been. I know the previous tenant at my current address has a lot of debt and I am just wondering if it is my debt or hers and they're writing to me as I now live there. Any advice on whether I should ignore them or write to them would be appreciated. Thankyou.

according to what ive read on here and a piece of paper I found from the court he can use reasonable force to enter my home if he believes I am here. Does this mean he can break in?

thankyou dx. i wouldnt have a clue

yes I knew about it. Im one of the stupid people you hear about who bury their heads in the sand and end up owing a lot of money to people. I have sorted everything else out except this.

It is for an unpaid court fine. This is why I am worried as I have been told they can do more because of this

hiya. I have been given notice that a bailiff from Marston group will be calling at my house one evening this week to remove goods for public auction. I have been told by several organisations to not answer the door to them. There are just a couple of points I need cleared up. Can they physically force entry to my home if they believe I am there? I have two young children and if he calls in the evening as he said, its a good possibility he will hear them. Secondly I was told that to gain entry they have to go back to court and get a warrant and they have to notify me of this after they have it, when they will be coming and they have to turn up with the police. I was told that they very rarely do this but is it different as the original debt is for a court fine? i was told he had power of locksmith so do they still need a separate warrant to gain entry? Or is it included on the warrant they already have? Any help would be appreciated thankyou

i am very tempted just to let them in and get it over with. I really dont see that I have goods to the value of £550 so will they send it back to the court or will they just levy what I do have?

it was originally a tv licence fine as I defaulted on payments. My own stupid fault. So to clarify, dont let him in and write to the council asking for the case to be taken back and a means test carried out. thanks for your help. I dont care about my stuff really, just my kids toys and how they would feel to find tv and stuff gone.

according to the man at the court, as it has been passed to marston there is nothing they can do unless it gets passed back to them. Thankyou for your help. Will write the letter first thing.

Hi. I have two young children (5 and 1). I split up with the kids dad just before christmas so now Im a single mum. I have had a pretty tough few months and was just about sorted when I received a letter from Marston Group. It was originally a court fine that had now been passed to them. I called them last Monday to arrange payment and was told that someone would ring me back to arrange a longer term payment plan but I heard nothing until this morning I had a letter from a man on my doorstep saying that if I didnt pay immediately he would be back 'one evening this week' to remove goods for sale at public auction. There is no way I can get this money, I dont work so cant even afford to pay a lump sum. I just want to know that if he gains entry to my house (he turned up as I was leaving to take my son to school so he knows when I come in and out), can he take any of my childrens toys (I know hes not supposed to but I have been told these are only guidelines) and what will happen when he realises I dont have goods to the value of the debt and fees? I spoke to the court earlier and was told that if there werent enough goods to cover the full amount it would get passed back to the court and then they would take amounts from my benefit. Im just worried that he will take my things anyway even though they wont come to the full amount and he will take my childrens toys to bump it up. Any help would be very much appreciated. Oh and it would be worth mentioning that I called them this morning and it doesnt matter that they didnt even try to call me. All I was told was 'either pay in full or wait for the bailiffs' then they hung the phone up.