Not all types of debt are regulated by the FCA.
For example, utility companies or telephone providers have their own regulators, such as Ofgem or Ofcom, which set and monitor rules for their industry.
Even if they’re not regulated by the FCA, most common household debt types have an ombudsman or independent organisation which oversees standards in their industry and investigates complaints.
Who regulates bailiffs?
There are codes of conduct bailiffs should follow. If you feel you’ve been treated unfairly or illegally by a bailiff (also known as an enforcement agent), first make a complaint to the company that employs the agent and to the creditor they are collecting for.
If you’re not satisfied with the way they deal with your complaint, you can escalate it to a governing body or ombudsman, depending on the type of debt being collected.
Find out more about making complaints against bailiffs