Payday Lenders

The Office of Fair Trading has said that over 50 of the companies it has investigated in an interim report do not operate fully by its rules. The OFT says it is worried by reckless lending and aggressive debt collection and they are now investigating the debt collection practices of payday lenders.

If you are being chased for money by one of these debt collectors try not to let them get to you. They can be rude, nasty and sometimes quite menacing. The best response to them is to ignore them. Do not answer your door, do not engage in debate, just let them stand there. They have no authority to enter your home, so dont think you have to let them in.

If you feel threatened by them or intimidated then its quite simple - call the police. No-one has the right legally to do that, regardless of whether you owe money or not.

If you have a video camera and if they are damaging your property or are being abusive, or hammering on your door violently get it all on film.

http://www.bbc.co.uk/news/business-20406659

Citizen's Advice Bureau

Money and debt section of the Citizen's Advice Bureau.


http://www.adviceguide.org.uk/england/debt_e/debt_help_with_debt_e.htm

National Debtline

Helpline that provides free confidential and independent advice on how to deal with debt problems.

Tel. 0808 808 4000

http://www.nationaldebtline.co.uk/

Radio 5 Live Baliffs

There was a phone in about baliffs this morning. Some shocking stories, it seems they think they can do what they want. WRONG. Do not let them intimidate you, do not let them in your house, they cannot force their way in, unless they have a warrant to install a pre payment meter for gas or electricity. Its time the ordinary people of this country stood up and demanded debt collections are done in a non threatening and reasonable way. How disgusting that councils who are supposed to be all politically correct and 'ethical' send round big threatening thugs to intimidate when there could be children in the house, who will find the experience very scary, seeing their parents panicked and upset and seeing strange men coming into their homes. Its an outrage and it's time it was banned.