How often can creditors call me?
If your creditors call you too often it can amount to harassment. But the law doesn’t state a maximum number of calls a creditor can make. In the past we’ve highlighted the issue of nuisance calls.
If you have several creditors, the volume of calls can be much worse. A call every few days from one creditor might not be a problem, but a call every few days from 10 or 20 creditors can feel like an onslaught.
Although there are no official rules or guidance in place, most people would agree one call a week is probably okay, but calling every day definitely isn’t.
If you feel the amount of calls you’re getting from a creditor is unreasonable, you can ask them to stop.
What times can creditors call me?
Your creditors should not call you at ‘unreasonable’ times, but the law doesn’t set any times when creditors can call.
Most people would agree that calls before 8am are too early, and calls after 9pm are too late. But your circumstances may be different, for example if you work night shifts.
If you can’t take calls at certain times tell your creditors. They should keep a record of this and avoid calling you at these times. You can make a complaint if they keep calling at times you’ve told them to avoid.