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  1. Brief overview:- Me and my friend are travelling in Australia at the moment, spreading the good will and natural friendliness of the Manx people on a global scale. Naturally, as young unstructured folk who can't save, we unfortunately have had personal loans in the past which on occasion we transfer funds back to UK to cover payments. Anyhow, to the point in hand. Today, my friend receives an unsavoury call from his sister back on the IOM informing him that a 'Bailiff' (her words not mine) had turned up at her residence seeking overdue payment of his loan. Bemused as we are, I contact the bank on behalf of my brosef and found out the funds he had transferred back to the IOM had not cleared in time for the DD to be taken. Bear in mind, he has never missed a payment before. I even had the pleasure of speaking to the gentleman in question, who advised me that he was a 'debt recovery manager' NOT a bailiff and just happened to be in the area. Can anyone advise if this is standard procedure for any company/bank/entity to send to someone round to a persons place of residence 24 hours after a missed payment because IMO this comes across highly unprofessional and judging by the sisters reaction to the whole ordeal probably a bit heavy handed rather than a courtesy call. Over and out Portunus
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