Halifax door visit?!

[pinklover]

Hi all,

 

It's my first post on this section and I desperately need some help or advice if someone have come across similar experience etc..

 

So, I'm oweing Halifax around on a credit card which I've been paying minimum until my financial situation changed in Jan and I'm missed 2 months' payment since. I've requested for my CCA and they've sent it on time and looks like enforceble to me.

 

My problem is that this is registered to an address which I no longer live in but I get all the correspondance redirect to my new address. I've also understand that they've left trillion voicemail at my old address through checking my voicemail remotely. So, no doubt they're trying their best to contact me. I've stated on all the correspondance that all contact are in writing only but of course they choose to ignore.

 

I've proposed a reduced payment which they're not agreeing, suggested me to contact other charity source for help and continue to make token payments.. So today, I've received a note about a home visit next week by their representative and if I'm not around, I should call and re-arrange. This note is send with Halifax letterhead and doesn't look like from a DCA yet.

 

Has any of you had that in the past? How likely are they to turn up? Is it just a way to get me to call them? I really dont know what to do, in a way if I'm sure someone is going to turn up, I would go there and act as if I live there to avoid them hunting for me at other addresses later but because it is soooo far away, I'm not sure if it is worth going and it is just a buff!

 

Besides, what do they really do if they turn up? Ask for a cup of tea and a chat??!

 

I'd appreciate if someone can share their thoughts, I'm planning to pay some of it off slowly but just can't afford it right now and really not meant to run away like this but because we really cannot be disclosed at new address, this is the only option!

 

I'm suprise how quickly this esclate consider I've only missed 2 payments...just hope it'll take a bit longer before it gets to court if they choose to do so..

[maroondevo52]

Hi,

 

Are there any charges you could re-claim.

[pinklover]

No, not much charges..the balance is rather large and they add on some late fees etc. But I don't think it is worth to fight for those fees back..my only concern is the door visit or the likelihood of it...

[diamondgirl]

Send them this letter

 

Dear xxxx

 

Account Ref xxxx

 

As you have been informed previously I will only communicate with you in writing.

 

I have noted your repeated attempts to contact me by telephone over the past few weeks/months and these have been duly noted.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission, which is the postman and people asking for directions etc.

 

Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully

 

PRINT YOUR NAME

 

Send this letter by at least recorded delivery or if you can afford the extra next day special delivery and keep your receipt safe.

In a lot of instances it is just threats to call in the hope you will ring them and they then can pressurise you into making a payment.

 

As always it is recommended everything is in writing so you have a paper trail that you can look to should the need arise.

 

Hope this has helped.

 

DG

[pinklover]

Thanks so much diamondgirl! I'll send that letter by next day delivery on Monday so they get it in time for Tuesday!

[rhos123]

hi pinklover i have had many letters from the muppets at the halifax, saying that a doorstep collector will be calling . its just a scare tactic, nobody will turn up. dont worry

[Dotty50]

Hi Pinklover,

 

I haven't paid since June 09 and no one has knocked my door yet.

[Helford]

Hi,

 

Agree with Rhos here, had the 'letter' in the past (Wage slip style where you have to tear off three sides). No one ever shows up, just a threat to get you to contact them

 

H

Edited February 28, 2010 by Helford
Just spotted typo!

[middenmess]

Contrary to previous posts they do turn up--and charge for that privelege!!-- but it's harmless.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/229958-halifax-charge-21-85-a.html

[pinklover]

Thanks everyone! I feel a bit better now, I've decided not to travel over 150miles to sit in an empty house waiting for no one to turn up. It is exactly the type of wage slip notice that Helford described.

 

Has anyone managed to negotiate a reduced payment plan directly with Halifax? I've written to them but they direct me to payplan etc for help and ask me to make token payments meanwhile. If someone managed to get a reduced payment set up with them direct, are there any template letter which might give me more success from them?

 

Thanks again!

[Dotty50]

Well I thought I had!

 

But now Blair Oliver & Scott dealing with mine so may be better off, we shall see, here is my thread if you want to take a look.

 

http://www.consumeractiongroup.co.uk/forum/getting-out-debt/200906-halifax-cca.html

 

Have just put the account in dispute and sent SAR to gather evidence of their untruths! Realise now I should have disputed it long ago but you live and learn (from CAG)

 

Don't believe a word they say, verbal or written!

 

Any questions, just ask and if I can help, I will. :)

Edited February 28, 2010 by Dotty50