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    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
    • If WFH is what leaves people feeling unsupported then I completely agree that's not good.  I wonder if some organisations were better at keeping communication open, managing the situation and making their employees still feel supported and included.  It's likely there have been lessons learned.
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      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
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      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
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Hi All

 

First of all apologies for the rambling

 

I have read through this forum with great interest but have become a little confused and need some advice and direction of what I do next :)

 

My wife has unsecured debts totalling £21789 which are broken down as follows:

 

Barclayloan £14680

 

Barclayloan £4305

 

Barclaycard £2804

 

We now live in Spain and have done since Jan 2010 and no payments have been missed in servicing the above - in addition to this my wife also has a Spanish mortgage.

 

I am not working so my dearly beloved is the main breadwinner and will be losing her job shortly due to lack of holiday makers out here and employment opportunities out here are very few and far between.

 

The mortgage is taken care of as the Spanish bank my wife has the mortgage with will give her a 6 month payment holiday as the employer no longer requires her. We also have a small amount of savings of about £3000 these savings will mainly be used to allow us to survive so therefore Barclays and Barclaycard are at the back of the queue

 

Barclays and Barclaycard do not know we have moved abroad and all mail goes to her Mothers address.

 

So in summary my wife cannot continue to service the above creditors

 

Ok ramblings over here are my questions:

 

1. Is it best to approach creditors direct or via Payplan or CCCS

 

2. Do we tell them we have moved to Spain

 

3. Can debts that were agreed under UK law be transferred to a DCA here in Spain

 

4. Is my wifes Spanish property vunerable even though the debts are unsecured

 

Looking forward to you thoughts

 

Thanks

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See http://www.consumeractiongroup.co.uk/forum/overseas-debt-overseas-account/250889-can-i-sued-overseas.html with regards to debts being chased in the EU.

 

1. Is it best to approach creditors direct or via Payplan or CCCS
How old are these a/cs? It may be wise to see whether they are in fact enforceable first.

 

2. Do we tell them we have moved to Spain
they will probably start to pester your MIL trying to contact you.
3. Can debts that were agreed under UK law be transferred to a DCA here in Spain
In theory yes, see the link above.
4. Is my wifes Spanish property vunerable even though the debts are unsecured
As above.

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There is a reciprocal agreement between Spain and UK,

But the question is not ' what you can do" as your thread suggests, but what will they do?

You obviously need your savings to survive, so thats first priority.

 

They will hassle your mum in law, regardless of whether you tell them or not, so she will just have to let them know youre no longer at her address.

 

If you decide to tell them, that your wife has lost her job, then you wait for their response, ( probably, ' so what, we want the money and will take you to court). In which case, you'll apply for CCA and SAR.

 

But if you tell also them, the change of address, ( No Phone numbers) they will hassle you directly. BUT, will they pursue you to the point of taking you to court from the UK.?

They cant get a CCJ against you in the UK, if you live in another country and they know it.

 

They can get a CCJ at your last known address, if they dont know you live abroad.

 

It depends also, if you plan to return to the UK to live ( not just visits).

 

Id suggest reading up on the expats site also, to get an idea how things operate.

You need to get in mind, the possible consequences ( if any), after all, your wife is now out of work, so no income. and no UK assets.

 

Whats the worse they can do?

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