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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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0800 138 1111
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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).