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  • Debt collection query

    I need to source a debt collector of a client - I'm sure there are two types, one where you pay a percentage to them, another where you sell the debt on.

    Any ideas please?
    aka
    Suzie

  • #2
    Just send 'The boys' around!
    My Majesty made for him a garden anew in order
    to present to him vegetables and all beautiful flowers.- Offerings of Thutmose III to Amon-Ra (1500 BCE)

    Diversify & prosper


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    • #3
      Piskie - do you mean that you need to source a debt collector for a client rather than a debt collector of a client ?
      If you are able to reveal some details (type of debts etc) do you want to pm me, I might be able to point you in the right direction
      BP

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      • #4
        If its not an awful lot of money you can apply on line to the small claims. Very easy to do - I got a County Court Judgement against a company who messed me around once - was paid back very quickly after that!
        http://meandtwoveg.blogspot.com

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        • #5
          Will pm you - and yes I meant 'for' a client
          aka
          Suzie

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          • #6
            Alternatively, Chopper is available for hire

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            • #7
              Piskie you have mail

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              • #8
                Originally posted by chrismarks View Post
                Alternatively, Chopper is available for hire
                You beat me to it chris
                Chris


                My Allotment Journal @
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                Updated Regularly-Last Update was 30-05-16

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                • #9
                  Originally posted by chrismarks View Post
                  Alternatively, Chopper is available for hire
                  Yes I am available for hire, but I don't come cheap and I do get results. If the debtor has the money and just will not pay, my methods leave no room for any misunderstanding. I will not take a job that is what I regard as morally wrong.

                  I used to work as a Bailiffs bodyguard. The guy needed a bodyguard simply because he was an out and out horrible swine, that took perverse pleasure in scaring people especially the weak and vulnerable. We had to collect a lot of council tax debt. A lot of the people were really hard up, but were making an effort. Quite a few were obviouly not very bright and simply didn't understand why they had to pay council tax.

                  One guy was a pompous twit that was a solicitor and living in a very very expensive house. Even had private security at the end of the road. The lies he told to try and wriggle out of paying was unbelievable. The threats he made to me were laughable. His wife was pure evil. She spat at me and tried to slap me across the face. Her attitude and the lies from her husband just made things a whole lot worse. I arranged for an artic lorry to come and collect goods and assets. I completely emptied the house and had everything shipped to the auction house next day. That guy deserrved to get hammered. He ended up paying about three times as much as he owed.

                  At the other end of the scale, we had to collect small sums from a lot of young people. The bailiff really got excited if he actually met a young woman that he could intimidate. I get a tad angry when he threatened one young woman with me breaking the door down. No way would I have done such a thing, no matter what he said. That was NOT what I was there for. I was there to protect him if someone got nasty. A lot did because of his awful attitude and the way he spoke to people. I did warn him not to use me as a threat.

                  The final straw came when we had to collect about £80 from an address in a very run down area. Pretty obvious that people living there were hard up. The young woman that answered the door was in floods of tears within seconds. The the bailiff barged past her into the house. He shouldered the poor woman into the wall. (NOT ALLOWED). I was livid but held back to see what was coming. I looked at the woman and she was trembling all over and a very sickly greyish green colour. I had bever seen anyone tremble like that. I asked if she was alright. Turns out she had just had chemo therapy and that was why she was trembling.

                  There were three very young kids in the house. Very poorly dressed and there was nothing there that was of any value. I asked the woman where her husband was and she told me that he was at work. I asked the woman if she had received the bills and did she have any paperwork. (Bailiff should have done that). Her husband was Dyslexic and illiterate. Working some dead end job and clearly not the brightest of people. This poor woman was also not exactly brain of Britain either. Although there was no flashy goods or anything, there were no carpets in the kitchen and dining room. It was a council house. The whole place was spotless and smelt of disinfectant. The woman was doing her best.

                  I asked the woman if she was on benefits (Bailiff should have done that too). She thought that as her husband was working she was not able to get any help. As I said, not too bright. We had a contact at the council that we called if there were any issues we were not sure about. The bailiff was making a list of things he planned to sieze. If we had emptied the house we would not have covered our costs, never mind the debt.

                  I phoned the council and explained the situation. The bailiff went nuts at me, until I told him to shut his ugly face. The council contact called me back. They had no record of this woman making any claim for any benefits, they did not know that her husband was what they called "Learning Difficulties". There was no social worker assigned to help them. The council lady put a stop to the court action and said we should leave with no further action to be taken.

                  I had to manhandle the bailiff out of the house. He was going mad at me shouting at the woman, threatening to come back later and take everything in the house. I couldn't take any more and knocked him spark out, flat on his lardy butt. I phoned the office and told them they could stick thier job, no way was I prepared to be part of that, not for any money. While I was on the phone the bailiff had managed to get to his feet and took a wild swing at me. I dodged it and his fist hit the windscreen. I put him on his butt again and made sure he stayed there. I locked the van and deliberately dropped the keys down a drain. Got one of my mates to come and collect me.


                  Piksie

                  You need to be very carefull who you engage to collect money. A lot of so called debt recovery agents are nothing more than wide boys who use all manner of underhand and often illegal practices. These people will often present fake documents that are very official looking. They will quote all sorts of nonsense about what they are allowed to do and what they are allowed to sieze. Court appointed baillifs are thoroughly vetted.

                  Be advised. Debt collectors will deduct thier fees out of anything recovered BEFORE you see a penny. Any goods or chatels that are siezed will be valued by the collectors at around 10% of thier true market value. The laws on debt recovery are quite stringent.

                  The sort of debts I recover are usually NOT the sort that are "Official", IE: Bank loans and credit cards etc. I tend to deal with more personal stuff. I am not a paid fist for hire but can and will deal with any nasty stuff if the need arises.

                  My advice is to make doubly sure of the collectors official status. Thay and you can get into a lot of trouble if the company you use are not bona fide. County courts have a list of authorised collection agencies.

                  Good luck.

                  Chopper

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                  • #10
                    I like reading these stories hehe. People ask me in work what i'm grinning. They stare blankly when I say one of choppers stoires. hehe

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                    • #11
                      Chopper's a Son of Anarchy
                      Last edited by Two_Sheds; 14-01-2011, 08:16 AM.
                      All gardeners know better than other gardeners." -- Chinese Proverb.

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                      • #12
                        Looks good, adds it to the rental queue
                        Last edited by chris; 14-01-2011, 08:18 AM.

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                        • #13
                          You'll all the bestest
                          aka
                          Suzie

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                          • #14
                            Originally posted by piskieinboots View Post
                            I need to source a debt collector of a client - I'm sure there are two types, one where you pay a percentage to them, another where you sell the debt on.

                            Any ideas please?
                            Piskie are you the creditor to this client? or are you sourcing it for someone else, bit unclear from your post? If you are the creditor and they owe you money for whatever reasons for work you have done for them then try the small claims court. Upto you how much money you want to spend on it really, you've not guarantee of the money really, if you go through court they'll have to submit an IE form. Sell the debt, but by law you must inform the debtor of your intent of which they can contest this ie - by contract with yourself and if you can't prove it then you might struggle. If you sell the debt on then you'll get a small percentage of what is owed to you or your client. The DCA etc who bought the debt will have to go through many months of phone calls and letters etc etc etc before it even gets to a CCJ and then they're not guaranteed of the money owing, even if they apply a CO.
                            Last edited by MrsC; 14-01-2011, 09:55 PM.

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                            • #15
                              Just to add, no other person can enter eg - court baliffs etc etc without a court order stating so. Don't send round anyone knocking on people's door it is illegal without this! Please read the trespass laws!
                              Last edited by MrsC; 14-01-2011, 09:03 PM.

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