Phone calls from creditors can be stressful and upsetting, especially if you're receiving calls from more than one company.
Most creditors will prefer call you as it's much easier to put pressure on you to make payment this way.
You should never ignore your creditors, but you don't need to take calls if you find them upsetting or you're repeating yourself each time. Anything important that your creditors need to tell you, they’ll send to you in writing.
Creditors can contact you if you aren’t making your agreed monthly payments. But they must keep to the rules set out by the Office of Fair Trading (OFT).
You might find it useful to read the OFT guidelines that creditors have to follow.
Making a complaint
If you feel your creditors are treating you unfairly you can make a complaint. If you plan to do this, you’ll need to keep a record of all the calls you get.
The best way to do this is to keep a notebook by your phone and write down each call or voicemail you get. Record the date and time, who called you and what was said. This information can then be used as a basis for your complaint.
Help and debt advice
If you’re struggling to deal with your debts and are being pressured by your creditors to make payments you can’t afford, use or online Debt Remedy tool, or call our free Helpline on 0800 138 1111. We’ll put a household budget together and work out what you can afford to pay towards your debts.