Behind On One Payment Aegis Rep To Visit Saturday

[MAD MICK]

HI

Im behind with my payments by onre month so i contacted nbna and told them i couldnt mamage my payments anymore things have snowballed after my operation tpo save my sight . i can nolonger do the job i used to because of the severity of my eyesight i am registered as severly sight impared .they told me to make a token payment and to try and take out another credit card and transfer the debt to another card . this i fins is useless . today i find that i have a card delivered saying that a AEGIS REP WILL CALL ROUND ON SATURDAY and discuss things . who are they ? do i have to deal with them ?i am now on income support and recieve a carers allowance for my mother who i live with and care for .it is rented property in my mothers name .i have very little as struggled for years in a repare shop which barely paid its way . so i do not have savings or any capital . what can i do .do i tell the AEGIS REP TO GO AWAY ? ANY HELP

[Pathway]

Hello

 

I have had a similar postcard from AEGIS.

 

Do not panic.

 

These cards are sent out to harrass people - and this tactic is not allowed by the Office of Fair Trading who are supposed the licensing authority for debt collection agents.

 

They are NOT allowed to call without an appointment. IF they do turn up - just shut the door. Do not be frightened by these people.

 

I am submitting a complaint to the Office of Fair Trading and Consumer Direct about this company.

 

Just continue with your token payments if that is the arrangement you have come to.

[jaxads]

Hi Mad Mick

 

Don't panic.

 

As Pathway rightly says, it is a scare tactic and they more often than not do not send anyone out, but if they do, just tell them that you are not prepared to discuss the account with them and that any correspondence must be in writing.

 

It's a bit much sending you a calling like that when you are only one payment behind. Do you have any charges on the account that you could claim back??

 

If not then you could send them a CCA agreement request to see that they have the necessary paperwork in order to collect on the debt.

 

Best wishes.

[toxicdebt]

Send them this....

 

Dear Sir/Madam

 

Acc/Ref No XXXXXXXXXXXXX

Please note that I am only prepared to communicate with you in writing. Should it be your intention to arrange a "doorstep call", please remember that there is only an implied license under English Common Law for certain people to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

Please therefore take note that, I revoke license under English Common Law for you, or your representatives to visit me at my property and if you do so without my permission, you will then be liable to damages for a tort of trespass. You would also be conspiring in a trespass if you sent someone to visit me nevertheless.

Furthermore, the letter informing me that you WILL be calling is in direct violation of OFT guidelines and that, if you take me to court, I will make this known to the court along with other evidence which demonstrates your harassment.

 

If you do not understand any part of this letter, you should consult a qualified solicitor.

 

 

 

Yours faithfully

Mr A N Other

[MAD MICK]

Hi thanks

but the postcard aegis sent didnt have a uk postal address all it had was a phone number to call, ive just phoned them and red out the draft letter to them . trhey promptly apoligised for the letter but still asked me to make a payment . i told them that i will sort things out after i had consulted with my consumer advice centre next week .and put the phone down on them .

[toxicdebt]

Bit late now but... There is a post somewhere on the MBNA forums with a aegis Uk address. Have a search around.

[angel_1]

hiya mad mick

 

i did see that uk address if i find it again will post here for you

 

by the way have you come across underdog thread?

 

if not take a peek as may be useful - solicitor is speaking with underdog on monday

 

http://www.consumeractiongroup.co.uk/forum/mbna/172769-mbna-agreement-now-threat.html

 

laters angel x