Query: Failure to Pay Overdrafts - Will it result in a Ballif visit?

[Pummage]

Apologies if this is in the wrong place.

A flatmate of mine has amassed a large number of overdrafts (maxed out and unpaid) and recently registered to vote. This gave the banks that he owed money to an address and recently has been receiving letters asking for payment of these overdrafts from years ago. Some have been passed over to debt collection agencies whilst others are threatening court action.

 

My real query is: Will ballifs come around or do they need to actually get my flatmate into court first?

 

I'm rather concerned as I'm not very fond of ballifs and I think that the longer he ignores these threats the chance of them visiting increases. Some of the debts he owes are over a grand, some are considerably less. Sorry if I appear nieve, I'd had a read about but a lot of the information is about either council tax payments and not bank debts specifically.

 

Thanks for your time.

[Dodgy Geezer]

Even the council cant send round the bailiffs without going to court first.

[Maggie_moo]

It might be more helpful to you to have a look further down the forum in the individual banks section. How long has it been since he had contact about his overdrafts?

[Pummage]

Well, the debts are several years old, he has just received a fresh batch of letters about a month or so ago. There was a recent letter from one stating that they were looking to go to court if things weren't sorted out by the 11th of this month. He has made no attempt to contact or repay said debt.

[postggj]

Only After A Ccj Has Been Granted Can Baliffs Get Involved, Even Then As A Last Resort

 

Attachment Of Earnings

Stat Demand Is A Favorite Of Dca

 

A Court Will Only Make You Pay What You Can Afford

[spamheed]

It is never a good idea to ignore these "people" I would suggest sending "prove it" letters to each of the creditors, once it is established who does and doesn't have a right to collect then we can begin to sort out the how much of the outstanding amounts are made up of charges.

 

Don't worry too much about the threats they make, that's all they are - empty threats, only a court can dictate how much you should pay, neither bank nor DCA has a right to dictate how much you can afford.

 

Bailiffs are a long way from being able to allowed to attend your property just yet