Pre-enforcement visit

[unclebulgaria67]

Urgent help needed please.

 

I have a ccj for a HSBC CC for around £3500 with a Charging Order.

 

I got home last night to a card pushed through the door regarding a pre-enforcement visit.

 

What do i need to do? I'm really worried. I dont want this officer coming to my house.

 

I've tried to ring the officer but his phone is off. I left a message for him to call me back but i dont want him turning up at my house while i'm trying to deal with my baby

 

Thanks for any help

 

Prior to this card, have you had other correspondence about this debt, asking for you to make payments ? Although they have the charging order, creditors will often want you to make regular payments, which will be deducted from the amount owing. If you ignore correspondence, it is possible a creditor could go back to court to ask for the property to be sold, to recover their debt.

 

Best not to ignore a creditor with a charging order, if you can make affordable payments towards a debt. Not an expert on creditors looking to force a property sale and hopefully someone will confirm or correct my comments.

[unclebulgaria67]

T

They've sent me letters asking for payments and i've asked them to provide me with details to set up a standing order/direct debit so i dont need to worry about it each month but they just ignore me. Doesnt say who the card is from just some bloke named Anthony on behalf of the Lewis Group. I thought my CCJ was with Howard Cohen though, are they part of the Lewis Group?

 

Check your credit record to see if any other debts are listed.

 

If the HSBC debt is the only one you have, make sure that you have written evidence of asking for standing order or DD, in order to make regular payments. If you don't have any confirmation of posting the letters, it may be worth sending Howard Cohen a letter by recorded delivery, just referrring to previous correspondence asking about payment options and that you have not had a response.

 

As long as you can show that you have reasonably tried to deal with this and to make affordable payments, then I can't see a creditor looking to force the sale of the house, by applying to the court.

 

You don't have to deal with Lewis or anyone else on the doorstep. They should have written to you to advise of their visit and it was then up to you to advise them that you will only deal with matters in writing. This is a letter you can use when anyone wishes to visit you.

 

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

 

Lewis I think are a separate company who act for many different companies.

[unclebulgaria67]

I've just spoke to them, it was a lady who said she needed £125 from me by the 18/6/13 to stop action on this. It will then be sent back every month for the same action if i dont pay installments. Told her i would pay it if it stopped action but that i would require banking details for a standing order. She said she would get back to me

 

Don't deal with anyone by phone. Ask for everything in writing only. You need to know through written evidence who you are paying and what the basis is that you are making the payments.

 

I think what has happened, is that the debt has been passed on and you should have been informed of this. Suggest sending a letter to Howard Cohen, if they were the ones that dealt with the charging order, asking what is going on and why no response to your letters has been received.

[unclebulgaria67]

I'll have to hunt out all my paper work regarding the charging order. I'm certain its relating to that as its for the same amount but as i said before i dont know where the Lewis Group fit in. I got in a complete mess a few years back but i've started to get back on track since having a baby as i dont want the stress. Just when i think i'm getting somewhere something like this rears its head! feel like i'm never getting out of debt sometimes no matter how hard i try

 

You must only deal with this in writing. It is vitally important that you have paperwork that proves that you are dealing with it and therefore do not agree to anything by phone.

 

What is happening here ( I think ?) is that Howard Cohen or whoever did not want for whatever reason to deal with payments as you wanted to make them. Letters have then been ignored and at some point, it has been passed on to Lewis. If Lewis have been appoined to handle payments, they must put all this in writing, provide their standing order details and deal with this properly. It is no good just putting a card through the door and then phoning you.