My friend had started to rent a flat where the previous occupant had run off with huge debts including to the landlord.
The current occupant is being asked to provide lots of personal details to the debt collection company to prove they aren't the debtor which I personally think is a bit off.
It appears that one of the debts is to the Council or HMRC which allows the collection company to force entry to the property.
So, my question.... what due diligence do the debt collection company have to do to ensure that the debtor is still at the address before 'breaking down' the door? The court case etc was 6? months ago.
My interest in this is that having seen a copy of the threatening letters from the bailiffs I noted that they charge an arm and a leg to do absolutely anything.... like hand delivering the letters £155(?) etc etc
Can a person charge the debt collectors for providing the information that proves they aren't the debtor?
This sort of thing as you can tell gets on my goat!!!
Welcome and thank you for posting on the Forum.
We recommend that your friend seeks legal advice. Perhaps encourage your friend to contact Citizens Advice on 0344 411 1444. Your friend could also contact Step Change for general advice regarding the debt collectors on 0800 138 1111. Step Change also have some useful information on their website regarding debt collection, https://www.stepchange.org/debt-info/debt-collection/debt-passed-to-a-collection-agency.aspx .
Although the debt has nothing to do with your friend, the information above could be useful to pass on to them.
All the best,
Creditor takes any legal action if the debtors didn't pay the amount within the time period. Debitors must know the debt collection process and the creditor's limit otherwise they can't be able to keep themselves from the creditor. debitors have notifications that are related to the particular loan sent by the creditors. If they ignore it then creditors have all rights to bring them to the court.