Overturning 700 years of Common Law!

[TheAnimus]

But for this too happen they must of had a judge rule against them.

How would having the police there sooth matters?

This might be my personal predudice, but if someone has defaulted, a judge ruled against them, and its ended up with the ballifs (seen by most firms as a last resort, due too the cost involved) then they are not the most vunerable at all. They have had every opertunity too reach an amecable solution which thanks largerly too those IVAs is a very valid option (which in my mind has too much sympathy for the debtor).

This is a last resort, i don't see how having the police there helps matters? The idea of baillifs been sent round should still be a last resort, if you have any ounce of respect for the people providing the credit you would of sold anything of worth (or if your scum, transfered the ownership) too pay your debts.

Granted you might say my view will change if i loose my job, miss a few mortgage payments, but from my perspective, this is only going too happen once you've forced it too court, lost, and haven't made effort too sell your assets yourself.

In my mind someone who was "morally just" would have nothing left worth the baillifs taking, enless they've declared bankrupt or reached an IVA, which are whole other kettles of fish?

[SiM]

Totally agree with you TheAnimus... The fact people think that people who borrow money and not settle it (even though they have plenty of chances) should get away with it losing nothing, surprises me...

Are you aware that this liability is often sold on by the bank to someone else - and they lose out when default occurs.

When you give money to the bank, you expect it back without having to go through this sort of hassle. Why shouldn't the lenders expect the same? If people tried harder to avoid default, everyone is better off - no one wants to involve bailiffs. Borrowing rates would fall too.

Remind me never to lend any of you money

[badass]

I just think its wrong someone employed by the company owed money has any right to forced entry.
The recovery companies will simply employ people that are best at getting the money back, in many cases with no further checks.

[TooNice]

3. anyone leave £1000 cash on a table while they are out deserves to get robbed

Great, supporting the greater evil. I see that as worse than stating that any robber breaking into someone else's house deserve to be shot.

[SiM]

Great, supporting the greater evil. I see that as worse than stating that any robber breaking into someone else's house deserve to be shot.

I am not supporting theft - I was just saying it was a damn right stupid thing to be true.

[redlight]

So allowing any pea brained thug,employed by an unscrupulous debt collection agency who has bought the debt and will uses any means to recover it,to enter a persons home when they are out and help them self to property is okay.
Of course they will obey the law to the letter as they do now wont they?

[SiM]

So allowing any pea brained thug,employed by an unscrupulous debt collection agency who has bought the debt and will uses any means to recover it,to enter a persons home when they are out and help them self to property is okay.
Of course they will obey the law to the letter as they do now wont they?

Well if I owed a lot of money and I know that the above will happen if I don't pay up. But still I refuse to pay if back after 10 warnings and a court case, but I could pay it back by selling some of my stuff, but I don't... Then... if it happens... well its expected and my own fault

[Slick]

Imagine you owe £500. There is £1000 sat on your kitchen table. Without the police there, would you come back to find £500? Or the full £1000 gone and the bailiff took your £2000 plasma screen to settle the debt?

I'm not against making people pay their debts, only against letting people who are basically thugs break into peoples houses. The police have accountability.

If I owed £500 and had multiple warnings over a long period of time which I had ignored, I don't understand why I wouldn't have acted, especially if I had £1000 to leave lying round which I could have paid the debt off with. Furthermore if I knew bailiffs would be comming I would sell my expensive equipment before they came and settled the debt with that money, as I would get more money from my belongings that way than at the type of auctions they send them to.

I'm not sure if I agree or disagree with this legislation, but I can't understand the mentality of people who borrow money they know they can't pay back and then do not take any action to attempt to settle their debts when they need to.

[TooNice]

We are living in a pretty sad time if leaving something of value on a table of our own home is classified as stupid enough to warrant getting robbed.
Well, I don't see any reason why people would want to keep £1000 on their table, but replace it with anything of equivalent value, be it a Laptop, DSLR camera etc. and I would find it reasonable for the owner to expect finding those items sitting on the same table, in the same home on return. And I don't see why cash should be any different.

[SiM]

Chavs see £1000 in notes on a table through your window - and they will go for it. You are right, its same with laptop I suppose. I never meant it warrants being robbed - it increases your chances. Besides I was using it to emphasise my point - I didn't literally mean it. I thought that would be quite obvious to most people...

Haven't you ever seen adverts on TV about not leaving expensive things in sight in your car???

Its clear who is in debt here and who isn't because of so split views on this legislation

[redlight]

Sigh! in the real world yes but bailiffs operate in a different world. Like I said unscrupulous bailiffs will wade in waving bits of paper and quoting the law.
Then when you find out the truth and confront them and ask for your gear back.
Guess what they already sold it to pay the debt.
Quick little case for you and this was done as the law stands now.
A relative of the missus was at court to pay some of a debt off to stave off the bailiff.
While at court a bailiff went round to her house and persuaded her 15 year old son to let him in.
He did and the bailiff seized her massive dvd and cd collection.
The relative came home with a court document with an agreement for repayment.
She phones up and demands the return of her property.
After a week of phone calls she was told her collection could not be found.
Eventually she was compensated but not the full worth to her(Mostly her husbands music. He died and that was why she was struggling to pay the bills).
Give that kind of pondlife more power never,more like give me the power shoot every one of them as they are vermin.
Forgot to settle a parking and gone off on an extended holiday or work abroad come home to find your property broken into and your goods taken and all your personal belongings rummaged through by some rubbishrubbishrubbishrubbish whose other job is a doorman at the local chav ale house.
Could not happen with our ever so tight regulation could it?

[SiM]

redlight, the bailiff broke the law and they could be taken to court, right?

[GrahamGarside]

How about the scenario where by the baliffs aren't at your door because of you but someone else who lives in your property or used to.

I've had baliffs round because of debts my brother has and they've not been able to take nothing because he doesn't own anything. Had they been able to force access to my home my possessions could potentially have been at risk.

[redlight]

redlight, the bailiff broke the law and they could be taken to court, right?

What planet do you live on. The one with money trees.
She was skint in debt how is she going to take anybody to court.
Ah yes get herself in more debt.
Bailiffs prey on the weak not on the ones with ability to take them on in a court of law.

[SiM]

What planet do you live on. The one with money trees.
She was skint in debt how is she going to take anybody to court.
Ah yes get herself in more debt.
Bailiffs prey on the weak not on the ones with ability to take them on in a court of law.

She could have borrowed money to go to court

Are you saying poor people are not protected by the law? There must be a way around this?

So why can't she just report a robbery? Its the same as me breaking in and taking something.

[redlight]

Are you saying poor people are not protected by the law?

Which law the one that goes theres one rule for the rich and......
That law has been around for a lot longer than 700 years.