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Creditors are entitled to contact you to collect unpaid debts. They can contact you by letter, phone call or home visit.
However, they have to act within the law and treat you fairly. If they don't, you can make a complaint.
We've been providing debt advice for more than 20 years, and in this time we've seen a lot of examples of unfair practice from creditors. Some of these are outlawed by industry rules or codes of practice, and some of them are illegal.
If you feel you're experiencing any of these actions, or if a creditor is treating you unfairly in any other way, it's a good idea to keep a record of everything that happens. For example, keep a notebook by the phone to log all the calls you get. This’ll help if you need to make a complaint at a later date.
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If you're under a lot of pressure from debt collectors, or you're facing any of the unfair actions we've mentioned above, contact us for expert debt help.
Our debt advisors can explain your rights and help you take action if you feel you're being treated unfairly.
Use our online Debt Remedy or call our Helpline (free from all landlines and mobiles).
“I wish to thank your staff for all the great help they gave me when I was in so much debt.They were a pillar of support to me.” (Leslie, Essex)
Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.
*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.
© StepChange Debt Charity 2018