Fidelite help

[CarpMad72]

Good morning all.

 

Only just came across you're very informative site this morning after receiving a hand delivered brown envelope from Fidelite telling me I need to contact them urgently.

 

I know I have old debts (credit cards, loans etc) from at least 8 years ago which I've not acknowledged all these years. Having moved several times in the last 8 years I've managed to avoid those chasing me for money.

 

I'm a little concerned about this company as I'd never heard of them before.

 

What is my best course of action as although I know not to let them in, I'm worried they may take my car. The car was only bought a few days ago for £2k and is needed for my 50 mile round trip to work.

Do they have the right to take it at all? If so would having the car transfered to my partners name help?

 

Thank you to anyone that can help with my situation

 

Stephen

Edited November 23, 2016 by honeybee13
Paras

[CarpMad72]

Sorry, just thought this may not be in the right section

[BankFodder]

Someone with specific debt experience will come along later so monitor the thread. However, you say that you manage to avoid certain people who are chasing you for money. You should understand, that this website does not condone deliberate avoidance of debt. We happy to help you on your legal rights but other than that, if you have been deliberately avoiding making repayments to somebody to him you legitimately owe money, then it's not the kind of thing that you should be bragging about here.

[CarpMad72]

Sorry if it came across that I was bragging as that certainly wasn't the impression I wanted to give

[fkofilee]

Fiddle It... (See what i did there? ) Are just Scotscall rebranded...

They are just doorsteppers that you can see off easily. Dont worry about the car and everything...

Safely ignore the threats. Youll see that when others come along that you dont need to worry.

 

As one of the other team says... Does it say will anywhere in the letter?

 

Plus you weren't bragging, you just panicked and people do weird stuff when the panic

[AndyOrch]

Thread moved to the appropriate forum.

 

Regards

 

Andy

[CarpMad72]

Thank you fkofilee, that makes me feel a little easier. Hopefully a few others will also shed some light on this 'Fiddle it' as you call them LoL

Thank you also Andyorch for moving to the correct forum. I originally posted using my phone which made it a little less obvious where I should post my thread

[martin2006]

You can safely ignore fiddle it they have no legal power to do anything despite what they may tell you on your doorstep, their aim is to intimidate you into paying them money which you may or may not legally owe.

 

Should you receive a claimform from the court, then that you cannot ignore and should come back for help in how to deal with it.

 

Could you expand on what these alleged debts from 8 yrs ago please, safe for you to name the company, how much owed and most importantly, when you last paid anything towards any of them or acknowledged in writing that you owed them anything.

[Homer67]

Should Fiddle It doorstep you or call you refuse to say who you are and do not answer any 'security questions', ignore their demands on the doorstep and telephone and simply say 'communication in writing only'. When they ask for the address refuse to give it and put the phone down or shut the door. Remember Debt Collectors are not bailiffs, any intimidation from them is toothless and can and should be reported to the Police and FSA.

[CarpMad72]

So as long as I don't talk to them or let them in the house I'm ok then I gather.

So not worth the hassle of putting the car in my partners name then you think?

[fkofilee]

You could let them int he house you could invite them for cuppa and share some stories, it wont make any difference. They are no different to a salesman etc...

 

You can turn them away with no consequences - they have no right to be hassling you what so ever

They are not a Bailiff and hare not appointed by the Courts. They are just a stranger who has no right to be hassling you.

[dx100uk]

as with any DCA they are not bailiffs

never can be and have absolutely no legal powers whatsoever.

 

 

you are under no legal obligation to discuss anything with any dca on the phone nor at your door

if they do show

ask them to leave your property or you'll call the police 101 line.

[CarpMad72]

Thank you all for the help.

Having never dealt with people like this before it was a shock to have them contact me in this way.

I now feel a little more at ease if it was that they show up at the door

[Staffbull]

Had a call off fidle it a while ago carpmad, told em to jog on and ain't heard anything since.

[Homer67]

Be aware that phone calls and door step callers that start a conversation with Mr ???? should always be answered with "who are you and what do you want?" and nothing else.

[CarpMad72]

What would I then say if they tell me their name and who they work for? Do I just deny knowing the person they ask for, or just shut the door?

[ericsbrother]

shut the door, you didnt invite them there and you dont have to talk to them. If they dont go away you are entitled to eject them from your property with necessary force. Reasonable force is for public places

[Staffbull]

All they are looking for is a positive identity Carpmad. Don't tell em who you are and just deny it if they ask you "are you .........".

Then politely tell em to jog on.

Job done.