Hi Colski

If only. Unfortunately we are all in Call Centre world. Fortunately we have an office in Ireland and they deal solely with claims, getting them in and agreeing them, so we miss the brunt of the problem. If anyone gets hassle from creditors, we pass them to Liz to sort them out. I'm sure it's the broad Northern Irish accent which keeps them at bay.

Mark

Hi Colski,

One of the most annoying issues for someone when they have entered into a Trust Deed is the creditor/debt collector correspondence. I explain it to our clients that Barclays for instance will pass a batch of 5,000 or 10,000 records of non payers to their debt collection company but not tell them that some of those people who are not paying have entered into a Trust Deed, DAS or even Sequestration. They them come on the phone all guns blazing trying to talk and force you into making a payment.

Best thing you can do is advise your Trustee and it's good to hear Tenon are on the ball and contacting the companies. Sometimes it's a never ending circle and other times people receive very little correspondence.

I think it's extremely unlikely that someone will turn up to your house. It's a tactic that companies use to intimidate you into making a payment. Very rarely does this happen. If in the event it does, advise them you have entered into a Trust Deed, give them Tenon's details and even take theirs for Tenon to call them.

You could always record a ferocious dog barking and then play this through the letter box should someone turn up...

thanks guys... Yeah, I figured this to be the case.

All the letters seemed to have stoped for us bar Mercres. Our Trustee at RMS has been great and very reasuring.

It just makes you blood boil when you get this sort of approch from firms... Supose they are just doing a job however.

Mercers were one of my most annoying ones. They go beyond harrassment into a whole new level of annoying. I just gave up answering the phone and posted all letters to my trustee. Just keep doing that and they eventually go away. If I remember rightly, it took about 6 months.

It's crazy really.

What a waste of their time and money!

Mercers were the last to stop writing to me, which was about 4 months after my Trust Seed was protected.....

I loved the letter telling me that someone would come to visit me on such and such a date. Let them. I'll be out. I was pretty much at work for most of the day and not in till 2100 (back shift) when I guess they don't visit.

Even if I was in...

Woman who lived down the stair, her nephew was in the police. I was told once - don't open your door if you don't want to.

You could be playing Rammstein at full blast with someone ringing your bell. If you don't fancy it, then let them keep ringing.