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URGENT: Lewis Group pretend to be balliff/debt collector money to stop action


Nicola85
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I'm seriously considering giving a Debt Collector from the Lewis Group £122.00 to stop any action from the balliffs as I live with my parents and a Debt Collector called last week to do a pre warrant of execution meeting and my father came extremley close to a heart attack. The man said that if I paid him £122.00 that any balliff action would stop and my debt would be passed back to the solicitor.

 

I'm hoping to pay this ammount to get the balliffs of my back and to stop my father having a heart attack. I'm hoping that if I manage to get the balliff action to stop. I can buy myself time to make an application to vary the judgement. So I can pay my debt off at ammounts that I can afford.

 

I've already been told by the man who came to visit me that the company whom I took out the store card with have singled me out to make my life extremely misserable because I ignored thier letters and I said their agreement was unenforceable and they are standing their ground and will not take any ammount of money except the full ammount.

 

So I'm meeting him this week to hand over the £122.00. Am I doing the right thing. Or is this man leading me up the garden path? I'm really really hoping that if I pay up he will be true to his word and the balliff action will stop and I'll then get the time to do something about my debt.

 

I'm handing over the money at the end of the week because I don't want him calling again. This man did say if i did not pay this money that he would be returning and would make my parents pay the money and if no money is paid then the balliffs would come round. I don't really care if they do I have nothing for them to take. I'm getting them off my back for the sake of my sanity and my parents health. I don't want him taking things that don't belong to me and i know they do it and i don't want the stress put on my parents to try and get back what is theirs. I just want this leech of my back.

Edited by Nicola85
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Hi Nicola, can you give us more information. What is the debt for? When did you take out the loan? Have the bailiffs been inside your property? Did your 'visitor' ,I'm guessing he is debt collector, make an appointment with you?

Anything else you can think of, even the smallest thing can be relevant. In the meantime, don't panic someone with more knowledge than me will be along to help shortly.

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hang on a minute here exactly who does this debt collector think he is he has no right to do a pre warrant of execution he is a debt collector not a bailiff and he is conning you in the hope you pay up tell him to sod off

 

If and i mean if a bailiff turns up at your parents home a statutory declaration confirming all goods of any any value belong to your dad will see him off

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The debt is because of a Fraser storecard and the ammount now owing is £1200. The storecard was taken out around 2005. I have no idea if this man is a debt collector or a balliff I could not get him to tell me. It sounds like he would come back when the balliffs come round, so mabye he is both thoose things. I do know he is very uncooperative and unhelpful and always harrasing me for money. He made no appointment to visit me I had no idea my debt was with the lewis group. This man knows i'm sick and i live with my parents but I really don't think he gives a damn apart from trying to extract blood from a stone and making my life a misery.

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As I said I don't want him visiting again. My fathers heart will just not take the strain of another visit and the only way I can get him to go away is to pay the money he wants.

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I have no idea if this man is a debt collectorlink3.gif or a bailiff I could not get him to tell me. It sounds like he would come back when the bailiffs come round, so maybe he is both thoose things

 

He is a debt collector thats why he wont tell you anything

what is the name of the company he works for

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As I said I don't want him visiting again. My fathers heart will just not take the strain of another visit and the only way I can get him to go away is to pay the money he wants.

 

there are template letters on here somewhere to send to the company he works for this will stop his door step visits

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He works for the Lewis GROUP.

 

If I send him that letter will it keep him away? Or will he just ignore it and visit anyway?

 

 

He is a debt collector nothing more he has no more right to call on you than i have

i will ask site team to move your thread to the appropriate forum where you will get the best help

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The templates are located here:-

 

The Consumer Forums - Debt collectors

 

Nicola85 here's the letter:-

 

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.

 

there are template letters on here somewhere to send to the company he works for this will stop his door step visits
Edited by rebel11
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Follow Hallowitch's advice. He is misrepresenting his powers. If he does turn up again, you could, if you were that way inclined, secretly record what he says, and wait for him to incriminate himself. Misrepresentation is a big no no.

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Hi Nicola85

 

Here's some advise from the forum:-

 

If you do receive a doorstep visit we give these suggestions to Members.

 

Give them the template letter linked below through the letterbox or chained door.

 

http://www.consumerforums.com/resour...ep-visit-.html

 

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

If you are getting Harrased over the phone, there are also template letters that you can send.

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Hi Nicola85

 

If you've got any Penalty Charges on that or any credit card account,

you can get those charges refunded with interest.

Thats any Penalty charges over the last 6 years.

 

 

All templates and spreadsheets are on this site.

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And they state:

 

"Our doorstep collectors are local people and are highly trained in all aspects of face-to-face debt collection, particularly negotiation skills. They are all smartly dressed and carry official identification, with photograph, at all times. They abide by the strictest of Codes of Conduct and sign a formal agreement to that effect. All collectors are tightly monitored and controlled and subject to regular audits of their workload."

 

Time for complaints methinks. The one that comes needs lessons in Anglo Saxon sayings.

 

PT

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

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I will print out that letter and at the end of the week instead of handing him the money I hand him the letter. I will do this I'm just so frightened of this man. If I gave him this letter whats to stop him coming round and demanding money again. He doesn't seem to care about anything else. He made no appointment to visit he has been misrepresenting himself he also told my father about my debt. Why would this letter stop him from visiting?

Edited by Nicola85
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you don't give the letter to him you send it to lewis group

 

send it by e-mail and recorded delivery letter

 

Do Not be frightened by this man he holds no power over you part of his job is to intimidate and frighten you DO NOT allow this to happen

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What a W*&@$r. As Hallow said he has no rights what so ever, and to pretend that he 'could be' a bailiff is just not right at all.

First off stop worrying and tell ya dad he can stop worrying too. Next time, if there is a next time he calls round tell him to F-off and never darken your door again. Paying him the £120 odd will not stop him from pestering you that will just be the start. He will keep coming back until he has what he wants. Debt collectors cannot instruct a bailiff to call until it has been to court any way and if that happens you will get a chance to have your say and work out an affordable payment plan. I doubt it will get that far anyway. The debt has obviously been bought and as it is nearing the 6 year statue barred deadline, they will try almost anything to get money out of you. If he comes knocking or calling again tell him to go away or you will call the police. But do write the letters that have been given out here. Im sure you will also get more help with this. Do please stay calm and tell your dad to as well his things are safe.

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You probably need to have a look through this part of the site as well:

 

Debt Collection Industry - The Consumer Forums

 

In particular look through the stickies at the top of the page as this will give you an inkling of what they can and can't do. This one definitley has ideas above his station and is using intimidation to coerce you into complying - all totally against any Code of Practice or Guidelines.

 

PT

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

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Nicola85,

 

Excellent hand him the letter instead of the money, tell him next time he calls, you will call the police immedately and lodge a formal complaint with them. You've got the law on your side.

 

I will print out that letter and at the end of the week instead of handing him the money I hand him the letter. I will do this I'm just so frightened of this man. If I gave him this letter whats to stop him coming round and demanding money again. He doesn't seem to care about anything else. He made no appointment to visit he has been misrepresenting himself. Why would this letter stop him from visiting?
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Guest Mrs Hobbit

You do not pay this debt collector anything. he has to prove you owe this money. If he enters the property without invitation he is in breach of the TORT OF TRESPASS. Find out who he works for and print off the letter in the Library regarding Tort of Trespass. This is an offence. Contrary to popular belief, no one (except those designated by Act) has the right to enter your presmises without invitation. This is also harassment report this to the OFT immediately.

 

Please give us more information so we can give more detailed help.

 

I had visitors before I could post this, I see others have given invaluable advice

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The only reason he is calling is because he knows you are frightend of him and he probably thinks you do not know your rights.

Tell him to go away and never to return. If he refuses then you have every right to call the police and get them to remove him. Dont be intimidated by this man at all , He has now special powers whatsoever. He is just hoping that you dont know your rights.

Also make a formal complaint about him to The Lewis Group.

hello all:-)

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If you can, get some one to come round and sit with you on the day he has stated he is coming back. I would personally get as many people round as possible to stand behind you when you tell him to push off. He knows he has intimidated you and he will use that to his advantage to get you to pay up. I know it is easy for me to say this, but dont feel intimidated.. stand your ground. read up on your rights in here and dont let him talk you down. He is in the wrong NOT YOU!!!!

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When and if he calls then you ask him to leave, hand him the letter in this thread above, if he refuses then call the police. Alternatively if you know a local copper then ask him/her to call this company to find out when they will be calling back as the police would like to be in attendance when he arrives.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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