- This requires considerable effort and if you do it honestly it puts you at the disadvantage that the bank knows the details of your financial position. I don't advocate supplying banks with dishonest information.
3. Keep copies of all correspondence.
4. Deal directly with your bank, the people there have to have professional qualifications set down by the Institute of Banking, third parties may not have such qualifications.
- If the debt has been sold then you cannot deal with the bank. If it has been passed to an agency to collect on behalf of the bank then why would the bank deal with the customer, kind of defeats the purpose of transferring it in the first place.
Also what is the point about bankers professional qualifications, they are still bankers
5. If the debt collectors call to your house tell them that your are dealing directly with the bank and request them not to call in person or by phone with you. If they call to your house again, they are trespassing.
- Agreed!