Originally posted by Mancmani
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I too would be surprised if anyone came to your house. They only put it in their letter because they know the threat frightens people. Note that their letter refers to a "recovery agent" (what everyone else calls a 'debt collector') and NOT a Bailiff. The difference is important because bailiffs have legal powers and shouldn't be ignored but debt collectors have none and can be ignored.
Bailiffs are officers of the court who are appointed by a court only after there has been a court hearing and the judge has issued a county court judgement [CCJ] ordering you to pay money. That hasn't happened so no baliff can be sent to your house.
Debt collectors on the other hand have no legal status and zero legal powers and they cannot take your property away. In the unlikely event a debt collector turned up you are fully within your rights to tell them to go away, get off your property, and refuse to talk to them at all.
Keep updating us.
The one aspect of your case that's a bit different to what we usually see is that a significant chunk of their claim is £145 for the damaged rucksack which you agree suffered significant damage when you were pulling the label off and would probably have had to have been thrown away. If it went to court you would be likely to be found liable for the cost of the rucksack. (In most cases we see here the value of the goods lost by the shop is zero.)


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