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casbah

unwelcome visitors to my home

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I have a DCA threatening to send a collector to my home, what can I do about this?

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Guest Cartaphilus
Dear xxxx

Account Ref xxxx

Please be advised that 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 logged by time and date.

 

 

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; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

 

 

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,

Basically, they can't invite themselves to your home without invitation and that letter tells them to naff off. Up to them if they ignore it, but it's usually unlikely anyone would show up ... They have no powers at all to enter your home and ... I'd ignore them if they did anyway, but on the safe side note anything down eg they visit your neighbours which could be used to form a complaint later on. Failing that, place some milk in a bowl out for them, a bird feeder or a few nibbles if they are that desperate ... Just joking about the last part. ;) Edited by Cartaphilus

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Amend to suit and send it to their Complaints Department:

 

Dear Sir or Madam,

 

Account Ref xxxx

 

Please be advised that 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 logged by time and date.

 

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 such 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; the postman and people asking for directions etc (Armstrong v Sheppard & Short Ltd [1959] 2 QB 384

. per Lord Evershed M.R.). 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, you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Threats to send someone to the door are often just that - threats - but if anyone does call tell them they have 30 seconds to get off your property or you will call the police and have them removed.

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ignore the threat

get on with your life

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Guest Cartaphilus

I don't take any notice anyway where they say they are sending someone.

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DCA's having delusions of grandeur again, I dunno give em a clipboard and their photograph on a lanyard and they think they are one rung above the rest of us.......utter fools.

 

If they have anyone that is a) Old enough to drive b) has actually passed their driving test c) can afford to put fuel in their hairdressers car d) read a map and finally e) get permission from their parents or guardians to be allowed out further than the top of their road, then tell them to clear orf or you'll phone their dad......chancers..foolish chancers at that!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Which DCA is it?

 

Some do call but they go away without a problem.

 

They're probably more frightened of knocking the door than you are of answering it!

 

Don't worry, they have NO power whatsoever.

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What wording did they use? Often they say they will be "calling". They want you to think that means they will knock on your door. In reality, it means a phone call.


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HE HE HE You guys really cheered me up.................." naff orf or i'll phone your Dad"

Anyway I've had usual garbage........" checked your residence" etc.

The company is "C.A.R.S"

I'm not too worried just wanted to give them a taste of their own medicine!

Thanks Guys

Cas XXXXXXXXXXX

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The "doorstep call" standard letter is absolutely correct but for me is a bit too passive.

I have just written to Capquest telling them that anyone visiting my property uninvited will be removed in under 15 seconds with whatever force is necessary!

I don't think it makes any difference what you say as they probably will not read it anyway.

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I don't care if they read it or not it will make me feel good writing it and knowing there is a chance one of them will have a bad start to the day instead of them giving me that feeling

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I don't care if they read it or not it will make me feel good writing it and knowing there is a chance one of them will have a bad start to the day instead of them giving me that feeling

 

If you write to them recorded delivery stating that any doorstep visit will be viewed as harassment, then if they did visit, you could report them to Trading Standards via consumer direct. Consumer Direct


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Hi casbah , as you have already found out they are not likely to turn up at your door and even if they did they have NO rights. How about turning the tables on them ,if they do ever turn up why not take a photo of them or even their car , I'm sure they would be more worried that the photo might end up on this site like this than you are of them now.lol

sleepingdog

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Hi casbah , as you have already found out they are not likely to turn up at your door and even if they did they have NO rights. How about turning the tables on them ,if they do ever turn up why not take a photo of them or even their car , I'm sure they would be more worried that the photo might end up on this site like this than you are of them now.lol

sleepingdog

 

I think thats excellent advice! What are the rules and regs about posting up pictures of tw*t debt collectors? Could we get sued by them?

 

Anyway, have a larf at these mugshots from HL "Hell" Legal... http://www.hllc.co.uk/careers.php

the 3rd guy down has a mean lumberjack shirt don't ya think?


Mozzone

_______________

Taking on the bloodsuckers

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their payment portal wont accept my tesco clubcard number for payment..;)

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Guest Cartaphilus

One of the ideas and principles behind writing letters is that it can be produced later on to show them up if anything went to court. Eg they've ignored a formally worded letter that you do not wish to invite them to your home, they ignore and turn up anyway. I know they don't read them, but the more paperwork you have to show them up later the better. ;)

 

PS Yes I know I am probably stating the obvious.

Edited by Cartaphilus

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Another motley looking bunch.

 

I notice that the personal specs of two of them mentions 'expertise in Consumer Credit Law'. If they have so much expertise in Consumer Credit Law, why does their company have such a stellar reputation for trying it on, then? After all, if they know so much about it, then they must know their company regularly flouts it.

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HELL Legal are regulated by the Solicitors Regulation Authority (SRA). Always drop that handle in any correspondence to this firm.

 

Its interesting that HELL Legal only have 3 solicitors all of whom are partners. Its a very small operation staffed by mostly unqualified clerks. Indeed, the debt recovery dept is tiny, with just one partner and half a dozen clerks. Nowt to fear.


Mozzone

_______________

Taking on the bloodsuckers

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always good to take a mugshot and to note the vehicle's reg. nr


“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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I think thats excellent advice! What are the rules and regs about posting up pictures of tw*t debt collectors? Could we get sued by them?

 

No As a freelance photographer myself, there is absolutely nothing,zero nadda, zilch, anyone can do if you take photographs in a public place, and you have more powers if you take the photo's from your own property, it is always advisable to have a small 'point & shoot' by your front door for these 'special occasions'.

 

As they have no legal right to be on your property anyway, then they can do absolutely nothing if you take their mugshot and post it up on a social website..;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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morecroft actually did sent one round last night (about 7.30ish) I very politly told him to go forth and multiply :grin: and shut the door in his face the flea in his ear must have been so large that He possibly needed to go to the vet to get treated

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My prefered method is to send the 'do not darken my doorstep' letter recorded, but also to keep a copy by the front door to hand to anyone foolish enough to knock my door :D


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

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