What should I do with letters from creditors?
Anything important your creditors need to tell you will always come in writing, so you should open your letters straight away and read them.
Some important letters such as court forms have a deadline to respond, so if you don’t open them straight away you may find you’re too late to reply.
Hang on to all letters from your creditors in case you need them in future. It’s a good idea to keep them together in date order in one place, and a ring binder is ideal for this.
Letters are often written in a way that makes it seem like court action is just around the corner unless you pay immediately. This puts you under pressure to pay. We’ve seen thousands of these from creditors so we know the ways they use to get this reaction. Some common tactics include:
- Mentioning court action, bankruptcy, enforcement agents, sheriff officers or bailiffs. If you read carefully, you’ll often find they’re saying these ‘might or ‘could’ happen, not that they will happen.
- Giving you very short timescales to reply
- Using legal language or sending letters using a name that sounds like a solicitors
But your creditors are not allowed to:
- Lie or mislead you about what can happen if you don’t pay
- Send you letters which are designed to look like court forms
- Send letters addressed to ‘the occupier’ or tell other people about your debt
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