What types of debt letter can I get?
If your payments are up to date you’ll get regular statements showing how much you owe and how much you’ve paid. For most common types of debt, your creditors are legally obliged to send a statement at least once a year.
If you miss payments, you’ll get reminder letters or emails, and sometimes texts. You’ll also get phone calls asking you to bring the payments up to date.
The letters are sometimes sympathetic and offer help at first, but can feel more threatening if you don’t bring your payments up to date.
Your account will often be passed to your creditor’s collection department after a few reminder letters. Collection letters will be worded more harshly, sometimes threatening to take court action or send debt collectors to your home.
You may get a default notice then letters from debt collection agencies which will also threaten to take further action if you still don’t pay.
Eventually your creditors may want to take you to court. If this happens, you’ll first get a 'letter of claim' through the post. If this happens, call us straight away for help. If you don't respond to the letter of claim, you may receive court forms.