Yes, they can and do visit, infrequently though. Sometimes cards are sent with a date, no time. Sometimes an individual arrives with no appointment leaving a card if you're not home. Upsetting as it is, it really changes nothing for you if they represent a creditor which is included in your PTD. Even before that, it is mostly done to verify you live at the address on your account and you are not required to discuss your account at the door, nor to permit access to your home. Make sure you pass this to your trustee asap.

Hi pammy1969.

Pamjo is spot-on, such visits are in fact fairly rare and mostly focussed upon confirming that someone still lives at the address.

Any such visitor, if they did come, has no authority or powers whatsoever. So, before closing your door, you could simply wish them good morning and a pleasant journey home.

Hopefully your Trustee can assist Mercers to get their records up to date though. They really will not want to be spending their time and money on something that annoys you and offers them no chance of making an extra collection at all.

Hi pammy1969

It's good advice as they have no authority whatsoever to do anything.

You should pass this to your trusee to deal with and ask them to sort it immediately and let you know the result.

Mark

thanks guys. So if someone does come to my door, what should I say to them? Tell them politely, at the door, that I'm not prepared to discuss the situation and refer them once again to KPMG? I've tried this on the phone but at least I have the luxury of being able to put the phone down. I'm scared they'll hammer away on my door and frankly embarrass me in front of my neighbours. Plus the chances are I won't be at home as I work 20 miles from home during the week. I can't leave my son to deal with them.

They're like vampires. They can't come in unless you invite them[}:)].

They have no power of entry. They aren't like sheriffs officers, they can't get a warrant or anything to enter your property. If they turn up, hand them a piece of paper saying you're in a trust deed and your trustees number. If they refuse to go, tell them you're going to call the police and close the door. They're unlikely to turn up. I had loads of cards saying they were coming and they never showed up. The only power they have it to stress you so call your trustee and let them sort it. They will stop contacting you eventually.

Hi gillian

Probably this months best opening comment.

Mark

tee hee! Thanks Gillian. I shall wear garlic round my neck to be extra safe!

Garlic's fine as a deterrent Pammy but a stake through the heart is the only thing that will actually stop them. Sadly, in the case of debt collectors, this is illegal, so until we get a change in the law you'll just have to tell them politely to go away and contact your Trustee.

A serious subject... but this thread is turning into comedy gold!

Yip, they're a pain in the neck.

I'll get my jacket...........

Ba ba bing! He's here all week. Try the fish...

pammy1969-Apparently, 8% of what we humans worry about NEVER happens so that is a 92% waste of energy you need for planning what you WILL do.[8D]
Gillian-who knew I could learn about vampire management too by tuning in here, I thought the amount of books relating to vampire teens in my house would somehow rub off and make me an expert but obviously not-I never knew that!! LOL.[:I]

Vampire debt collectors?

Tell them they have to romania at the door....

Sorry!

They have no more power than the common man.