Hi 1985debt.

I can see why this has caused you some concern.

Creditors mostly use visiting agents (as opposed to Sheriff Officers following legal action) to check that someone still lives at a certain address and to try to agree a maneageble payment arrangement.

From a creditor perspective, this might be seen as a much more gentle and sympathetic approach than going straight to using legal action. Such agents have no special powers and you're not obligated to speak with them.

I think they're most generally used when direct contact by phone/email has broken down (though this seems odd here if Nationwide has recently received trust deed proposals from you).

We don't hear about this very much on the forum. If your bankruptcy application is getting submitted next week it seems pretty unlikely that you'll get further visitors. I think you've been a little unlucky to be honest.

I hope so as I opened the door expecting it to be someone about a new electricity meter or something like that . The collector also seemed surprised that my trust deed failed I explained this was because a lot of the debt was credit union and a peer to peer lender . Just found it surprising as I know people who haven’t paid debts or sought any kind of help to pay them or create a solution and they have never had this happen . I will be glad when I get paid and can get bankruptcy sorted as I am living on my nerves now .

It's really not common when there's ongoing contact between a creditor and their borrower (or a borrower's representatives).

Your trust deed proposal may well have been sent to a representative of Nationwide, rather than directly to them. This could account for the visitor tonight not knowing about it.

I think you'd be incredibly unlucky for it to happen again with another creditor. It's just not something that gets reported here much.

Hi 1985debt,

Sorry to hear that this has happened to you. I can completely understand how embarrassing this will have been for you.

In my experience it’s rare that lenders actually send out a door step collector nowadays and I can’t actually recall the last time this happened to anyone that I’ve dealt with. I asked around my colleagues this morning and they were the same.

Nationwide will have been notified about your Trust Deed proposal but they have an organisation that represents them at the initial proposal stage in a Trust Deed. It could be the case that there hasn’t been information passed between both companies.

Should someone turn up again which I think is unlikely just advise them about what you are in the process of doing. No one can come into your property so don’t worry about that. The programs like you see on TV in relation to bailiffs etc. doesn’t happen in Scotland.

As soon as your Sequestration is official paperwork will be quickly sent out to all the lenders to notify them.