If you are failing to make repayments to your creditors, its likely that you will be receiving letters and phone calls from them, demanding that you make payment. Creditors are within their rights to do this, however they must stick to certain guidelines and behave in a certain manner when doing so, otherwise this can be deemed as creditor harassment.
What counts as Creditor Harassment?
If the creditor tries to do any of the following things to try and get you to pay back the money you owe, this could be considered creditor harassment. They include:
- Contacting you several times a day, or early in the morning or late at night.
- Putting pressure on you to sell your home or take out more credit.
- Using more than one debt collector at a time to chase you for payment.
- Not telling you if the debt has been passed on to a debt collection agency.
- Using paperwork or business logos that appear to be official when they’re not, for example sending you letters that look like court forms.
- Putting pressure on you to pay all the money off, or in larger instalments when you can’t afford to.
- Threatening you physically or verbally.
- Ignoring you if you say you don’t owe the money.
- Trying to embarrass you in public.
- Telling someone else about your debts or using another person to pass on messages, such as a neighbour or family member.
- Falsely claiming to work for the court or be a bailiff.
- Implying that legal action can be taken when it can’t. For example, implying that your home can be taken from you without a court order.
- Giving the impression that court action has been taken against you when it hasn’t.
- Giving the impression that not paying the debt is a criminal offense. For most debts, it is not a criminal offense if you don’t pay them.
What doesn’t count as Creditor harassment?
Not all action that a creditor takes can be called harassment. Creditors are allowed to take reasonable steps to get back the money you owe them.
- Sending reminders and demands for payment.
- Telephoning you to ask for payment.
- Calling at your home, as long as this is at a reasonable time of the day.
- Taking court action.
Take control of your finances – Speak to a Debt Advisor today
If you have found yourself struggling with debt, the advice is not to panic but to address the situation as soon as possible. There are many solutions to help you manage your debts, we at DFH can help you to determine the best solution for your circumstances and help you regain control of your finances.
Find out more about:
Debt Management Plans
Individual Voluntary Arrangements (IVA)
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