Just head butted a debt collector?

[Rickster123]

The laws on debt recovery have changed massively over the last few years , gone are the days where and agent could get money with threats . If i recall they are no longer allowed to operate what is classed as unsocial hours.They can't take anything force entry or nothing basically a debt collector is pointless.The sherifs tho are a much different matter.

I think it depends who you owe money to. If you've borrowed from an "iffy" source then they'll do what they want.

 

[Masood]

Good luck JCS. I don't think many people would have done anything different..

 

[jonnyswamp]

Good luck fella, probably too late now, but if you could prove he was threatening your wife you may be OK Your words against his etc
It may not be the right thing you did, but it's the only language some of those "bailiffs" understand, bet his little face was a picture once he realised he wasn't going to get away with bullying your wife
BTW I would have done the same, as would most on here

 

[wetdrip]

If the police come, say nothing, or as little as you can. Stay calm!

They will take you down the station, along with your wife, to be interviewed separately, so make sure you’re both on the same page.
“You were in fear of your wife's safety.”
If the police come to your door and do take you for said interview inform them on the way to the station and again inform the desk sergeant, both of you will have to do this separately, that you require said duty solicitor. THEY’LL KEEP YOU WAITING FOR HOURS, ONCE YOU’VE REQUESTED A SOLICITOR.
"You were in fear of your life" or thereabouts, the solicitor will know best regarding your defence statement.
MOST OF ALL, CHILL. Do not worry about it, as worrying changes absolutely nowt.
If none of the above happens, you might receive a letter demanding payment, or two bailiffs at the door.
Squirrel the money away until that happens.

I'd have done far worse.

 

[rpm]

As you say you're debt free could it be the previous house owners or mistaken identity?
Ask the missus if you can slap her around a little, just a bruise or two, im sure she will understand it's all in a good cause. Lol

 

[oz-plumber]

Just be straight up and tell it how it was / is.

You went the Pub, has a few drinks, came home, saw a stranger in your house who was getting aggressive towards your wife and you did what any other person would do - to protect her and your home.

You got into a scuffle and 'inadvertently' clashed heads.

Unless the guy was taken away in an ambulance, you used only enough force to subdue the intruder.

If you don't have any recent charges against you for violence - you will get off with a warning.

The debt collector may be more fearful facing a judge for the situation than you will be.

 

[Nostrum]

Let them prove what's he's saying is true?

Although, judging by the lack of response I'm guessing it's a bit late... :bobby:

 

[wetdrip]

Just be straight up and tell it how it was / is.

You went the Pub, has a few drinks, came home, saw a stranger in your house who was getting aggressive towards your wife and you did what any other person would do - to protect her and your home.


You got into a scuffle and 'inadvertently' clashed heads.

Unless the guy was taken away in an ambulance, you used only enough force to subdue the intruder.

If you don't have any recent charges against you for violence - you will get off with a warning.

The debt collector may be more fearful facing a judge for the situation than you will be.

A warning will be recorded as "criminal record"

 

[Ray Stafford]

A warning will be recorded as "criminal record"

Depends. Accepting a formal police caution constitutes a "criminal record". A stiff telling off from the arresting officer doesn't.

 

[WaterTight]

couldn't you have just tried being threatening? perhaps started with a slap?