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Hello

My partner has terribly bad credit approximately £40k in debt, letters daily and phone calls.

 

I know this is wrong and I told her I wanted no part in it

 

 

she decided to go to perfect homes and get a new TV,

as their interest rates were so high and set to take advantage of people who already have no money or money troubles

I didn't feel so bad even though I knew there wasn't a cat in hells chance she would keep paying for the TV.

 

She paid for the first month then nothing.

 

She sold the TV on eBay and wasted the money.

 

Now we get a daily visit from a debt collector from perfect homes, we are in the process of moving out

 

 

he came round, my partner hid and I told him we had broken up I don't know what she's doing and I'm moving out on my own.

 

He said he will just take the TV back,

I said it's not here she sold it,

he said he wants to come in and look

I said no way

he said he was calling the police

I said no problem locked the door and drove off in my car which was full ready to move home.

 

When I came back about 20 mins later he had left.

 

Not wanting a debt collector sniffing around

I told my partner to call and tell them she will pay next week

she did and they said they want to come and see the TV today

she said she had it under the bed which it isn't.

 

I called and said no debt collector is coming in my home when I'm living here

and I was going to lock my partner out so she wouldn't be here in the morning.

He said because of this he will have to take it to the next step

but for data protection he couldn't tell me.

 

I myself have perfect credit I have never paid a bill late I pay everything before they come

and am in credit on everything.

 

 

My partner however is the opposite.

 

Has anyone been in this situation before ?

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Have moved this thread to the correct forum, where you come to the attention of those who can help.

 

You need do nothing it is purely an administrative move.


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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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TBH, I do not think either of you are making life any easier for yourself by being untruthful.

 

A Debt Collector cannot just come into your home unless invited. The company would need to issue a claim against your partner, before they could take any other enforcement action.

 

I rather suspect that by selling the television, your partner has quite probably committed a crime. It wasn't hers to sell.

 

I do think that at the very least she should speak with somewhere like National Debtline to see if there is anyway of getting out of this mess. From the information you have provided, it might be an idea for her to consider bankruptcy.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you sorry I'm new on here, love the forum though. Very helpful :-)

 

My partner isn't making my life easier I know this because I'm the one who deals with the debt collectors at my door

and has to constantly remind her to lock the front door which she always leaves open.

 

I presumed it would be like a mobile phone company where they just pass it to debt recovery.

But like I said it's no in my name I have nothing to do with it and wanted no part in it.

Just curious as to what happens.

 

He said he was calling the police and then drove off so I'm guessing that was to try to scare me.

 

I got my TV on finance for a low interest rate and costs next to nothing and all paid up to date.

 

My partner lived down south she got a TV from Brighthouse paid it until she moved to Newcastle

then stopped and we haven't heard anything since think she was thinking the same thing would happen with perfect homes.

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Doubtful it's a debt collector. It'd just a lackey pH send to threaten you into paying.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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My partner isn't making my life easier I know this because I'm the one who deals with the debt collectors at my door and has to constantly remind her to lock the front door which she always leaves open.

 

I presumed it would be like a mobile phone company where they just pass it to debt recovery. But like I said it's no in my name I have nothing to do with it and wanted no part in it. Just curious as to what happens.

He said he was calling the police and then drove off so I'm guessing that was to try to scare me.

I got my TV on finance for a low interest rate and costs next to nothing and all paid up to date.

My partner lived down south she got a TV from Brighthouse paid it until she moved to Newcastle then stopped and we haven't heard anything since think she was thinking the same thing would happen with perfect homes.

 

 

I don't think at the present time, you need worry about anyone just forcing their way into your home. They would be trespassing. The likes of Perfect Homes and Brighthouse do use Doorstep callers - they should know they have no right of entry and in fact I think they need to have an appointment to even visit at home. Just popping up on the doorstep is a nono, as I understand it.

 

However, the fact that your partner has sold something that isn't hers, might prompt Perfect Homes to take further action - if it ends in a court claim, then the chances are they could possible employ Bailiffs at which point things will be very much different.

 

As I have already said, you need to speak to National Debtline or another non fee charging Debt Charity. CAG cannot and will not help anyone deliberately avoid paying what is owed. If there are unlawful charges or you are being treated badly by a company, then we will be able to help. This does not appear to be the case with your Partner.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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We have moved now and they don't know our new address so hopefully I won't see them for awhile.

My partner phones the debt numbers and they say she needs to go bankrupt however she doesn't have the money to so she keeps getting letters but unlike Me she doesn't care less.

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better to deal with the whole package rather than just PH.

 

 

what are her debts

and from when and whom?

 

 

dx


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better to deal with the whole package rather than just PH.

 

what are her debts

and from when and whom?

 

dx

 

Her ex was beating her so I moved her 185miles to get away from him

 

her house was repossessed and the short fall was £20000,

 

she also has credit cards

bank charges

phone debts

water debts

 

you name it she owes it approximately £40000.

 

Because it's so much she doesn't care

 

don't think she ever paid a bill before we met.

 

I don't condone her debt or actions at all

 

I was told by my parents to pay my bills which is what I do.

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Then to be honest a stupid rent to own debt is the least of her worries

 

Like the phone bills

The very bottom of the pile

 

Dx


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Then to be honest a stupid rent to own debt is the least of her worries

 

Like the phone bills

The very bottom of the pile

 

Dx

 

I agree she had police fines, council bills and other government bills which she is paying but these other ones just send letters daily.

Just with perfect homes coming round and saying they are going to contact the police and take it to the next level I wasn't sure if there was something for me to really worry about.

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PH were told a very long time ago to stop stating they will involve the police

as they consider it theft. they couldn't give a monkies

 

 

you appear to be dealing with things in the right way and oder

 

 

quite honestly, having sort of been involved with a like scenario some years back

ignore the lot of 'em.


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PH were told a very long time ago to stop stating they will involve the police

as they consider it theft. they couldn't give a monkies

 

 

you appear to be dealing with things in the right way and oder

 

 

quite honestly, having sort of been involved with a like scenario some years back

ignore the lot of 'em.

 

Thank you I just worry because I'm not used to this, my father always taught me to never be overdrawn and to always pay my bills having people wanting to come into my home is worrying. You have put my mind at rest.

 

After seeing how much PH charge they are taking advantage of the poor really so I don't care about them at all. I feel sorry for people who are in that position where they feel they need to use them to get credit.

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Need help please urgent

Perfect homes man has found my partner at our new address don't know how.

He's looking for the tv which isn't here

He said the police are going to the store today at 5pm and will pay us a visit. She will be charged with fraud and deception or theft apparently.

 

Please could someone give me some advice

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Load of old rubbish designed to frighten you

 

They are not baillifs

And even if the police (they never are) involved

 

They can do nothing!!

 

Dx


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Thank you Dx

They said it's because the tv isn't here no more she said it was sent off for repair now and they want to see proof or get the tv back.

I called the police they said he can come to my door if he's wanting payment for the tv I said I don't want him here and he's waiting at my door she said tell him to go and get your partner to call head office

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Yep

Tell him to go away

If he does not leave call the police on 101

 

They have no legal powers whatsoever


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The police have just called stupid girlfriend had phone on silent just waiting for them to call back now :-(

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Police said she has to go in on Saturday and come to an arrangement for payment or she will be arrested for theft :-(

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Thats afirst never happened before

 

Urm...

 

So how much of this debt can be offset by all the charges

And p,p'haps insurances over all the years and other products she has had?

 

Yes she can't run away with a telly

 

And state its been sold..silly thing to tell them really:smile:


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she never said it was sold

she said she broke it when we broke up loading it into the car,

 

the police called perfect homes when he was here

the man from perfect homes wanted her arrested tonight,

lucky the police man was on my side saying they are loan sharks and shouldn't be allowed to trade,

 

I even offered to pay the £1500 which was the cash price of the tv which they want £4000 for

 

shes got to go in on Saturday

 

I am not having any part in this so she has to pay it on her own

 

realistically she can afford £20 a month

hope they accept this.

 

Shes also trying to go bankrupt

 

so now my question is would that mean perfect homes don't get anything??

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Certainly wouldn't go bk for £4k!!

 

If £20pcm is all she has

They can't get blood out of a stone!

Never known them to do court either

 

Good they don't know about the TV being sold

 

I take it hhe police didn't actually entertain the theft claim just acted as a go between.

 

Dx


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P's if pH won't accept the offer simply walk away

 

The police will not entertain pH anymore

 

Dx


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The police said they could arrest her for theft if she doesn't go in, and hopefully they will have to accept £20 a month :-( honestly the perfect homes man wanted blood out of her had debt collectors and police here all day the policeman wasn't happy doing it and agreed they are terrible taking advantage of people

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