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HP Mum

bank/dca/strangers harrassing relative

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May I ask how to stop dca and/or legal demand harassment?

 

A relative is constantly being anonymously telephoned, sent letters and having strange men turning up at their property trying to deliver legal letters/ serve notice/ statutory demand for someone that does not live at that address. 

 

They have previously 'returned to sender' the letters and advised on phone and to the strangers that they have the wrong address.

Relative does not have address of the person these people are trying to locate.

 

If relative opens the mail are they in the wrong? 

Even if they need to open envelope to see to where it needs to be returned?

 

And what happens if the letter contains confidential financial details of the person they are trying to contact?

 

I read somewhere that dca are not supposed to disclose someone's financial details to strangers - business colleagues, relatives, friends, neighbours, work etc

 

Is there something relative can do to prevent these people turning up again?

Should they just open and return to sender again as 'not at this address'

Thanks for best advice.

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no problem in opening all the letters

it would be useful for you to be able to p'haps scan them up too to PDF

so we can see the people behind this.

 

then we'll know how best to sort this issue for her.

there maybe many reasons behind it, most are nothing to worry about

but 

it might be an advantage to do so in case there is fraud and or ID theft going on or gone on here in the past.

 

I will assume all the legal occupants have checked their own credit files just to ensure nothing untoward shows like strange accounts or linked addresses or financial links to unknown people?

 

in these cases its always better to thoroughly gather all evidence then we will be best positioned to advise.

 

dx


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the most recent posted letter is (i think) notice of a statutory demand with a note saying people will attend property to serve papers on a certain day/time

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that will be a process server.

as they have to serve it personally, to the named person, it will be interesting to see how they accomplish this.

 

is this consumer debt do you know?
 


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I am not sure what the debt it is - personal or commercial.  I have not seen the letter.  But I can ask/ find out

Edited by HP Mum

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you indicate in the title its a bank?

 


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I don't know.  I will check what the contents say

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Yes do as DX advises, otherwise you might have bailiffsHCEO turning up to enforce a CCJ on the non resident they are after, if you don't make sure they are fully aware that person doen't live ther, and that once they are aware any action against lawful occupier  will be classed as harassment and reported.


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Has the person they are looking for ever lived there? 

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So - the letter looks like something anyone could have typed themselves.

No address/ no company details.

Just a private # to call

Its a simple letter advising someone will attend premises on certain date to serve statutory demand re insolvency.

Notes that if person not there the SD will have been deemed to be served by advertisement in press or through letter box.

Also notes in event of bankruptcy petition being presented, court will be asked to consider such service as service of the SD on the debtor.

 

The person concerned was there many decades ago.

Edited by HP Mum

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Just to say there is no way of telling whether it's a bank, dca or person who is behind this 'process server'.  And there is no return address.  So what should relative do?  Normally people advise not to make calls!

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what about all the previous letters?

bottom line is there is no-one there to make BK and it cant hurt them anyway

 


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Yes - but because there is no address there is no way of discerning to which of the previous senders this one should be returned?  Relative could ring the number - but doesn't feel comfortable doing so.

 

So should relative just ignore and if the people do attend just tell them then that they have the wrong address?

 

What will these people do next? 

 

Advertise in local/ national press release mentioning relative's address?

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no point in returning it nor the other letters.

no need to ring either

no sure where that idea came from.

 

the person is not resident at the property

not the current residents person.

 

the text of the letter is the std SD letter text.

successful BK's get advertised yes, but as he is not resident at that address and it cant harm the address even if whomever the creditor is if they do succeed 

 

the person named is not on the electoral roll for the address anyway so the SD can never happen in its current format.

who are these mick=mouse process servers please?

 

they aren't normally this dumb to be honest as they have to talk reasonable steps to find the debtor 

they appear not too have.

 


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There's just a man's name and mobile # - no server company name.  It almost looks like a self-made threatogram??

What are reasonable steps?  I suspect these people are hoping relative will say they know where the long-gone person being searched for is now?!

 

I've never come across a SD before.  I did a quick search thru the forum. It seems dca used to use them regularly because there was/is a short time frame to respond before bankruptcy petition being given to court - and it was/is a cheaper route than going thru the bankruptcy court process.   There was an amazing sticky I found

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then it could well be homemade threat-o-gram

there are numerous unregistered one man band backdoor dca's that pull all kinds of stunts to collect debts

 

I would suspect this nothing to do with any consumer credit debt like card/loan as none of the usual players you've met would ever use these people and never for a last trace of probably 10yrs+ ago as atleast they do abide by the rules.

 

this is going to be for a dodgy backstreet lender loan I bet.

 

 

 


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Hi

 

Type the mobile number you have been given into your internet search engine and see what comes up.


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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some DCAs use mobile numbers often several, so

use who called me there will be information on whose number if known, and you will see other peoples experiences with it along with opportunity to add your own comments.   https://who-called.co.uk/  


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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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it seems to be some kind of investigator #

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