A final response letter might take longer. Remember to send all letters by recorded delivery and keep copies so that you have a record of your complaint.Īfter receiving your complaint, your creditor has 3 business days to respond informally.
You should point out in the letter that harassment is a criminal offence and you can take further action if your creditor doesn't stop. Tell them how you want to be contacted in future and ask them to confirm this in writing. You should write to the creditor who is harassing you asking them to stop.
witness statements from neighbours or other people who live with you. any letters or documents you have received. Write down what was said to you each time and who you spoke to recording the number of visits or calls with dates and times. You then need to take the following steps:īefore you make a complaint, gather as much evidence as you can to support your claim. You first need to find out who is actually collecting the debt. What can you do about harassment by a creditor bailiffs in England and Wales or sheriff officers in Scotland. a third party who has bought the debt from your creditor. a debt collection agency acting on behalf of your creditor. If your creditor decides to pass the debt on, they must tell you in writing before they do it. If your original creditor does this, they can no longer chase you for money. This is because your original creditor is allowed to pass the debt onto someone else to collect. They may not be the people you originally owed money to. If you’re being harassed by a creditor it's important to know who is asking for payment. calling at your home, as long as this is at a reasonable time of the day. sending reminders and demands for payment. Creditors are allowed to take reasonable steps to get back the money you owe them. Not all action that a creditor takes can be called harassment. What doesn't count as harassment by a creditor For most debts, it is not a criminal offence if you don't pay them. giving the impression that not paying the debt is a criminal offence. giving the impression that court action has been taken against you when it hasn't. For example, implying that your home can be taken from you without a court order implying that legal action can be taken when it can't. falsely claiming to work for the court or be a bailiff in England and Wales or sheriff officer in Scotland. telling someone else about your debts or using another person to pass on messages, such as a neighbour or family member. ignoring you if you say you don't owe the money. putting pressure on you to pay all the money off, or in larger instalments when you can't afford to. using paperwork or business logos that appear to be official when they’re not, for example sending you letters that look like court forms. not telling you if the debt has been passed on to a debt collection agency. using more than one debt collector at a time to chase you for payment. putting pressure on you to sell your home or take out more credit. pursuing you on social networking sites such as Twitter and Facebook. contacting you several times a day, or early in the morning or late at night. If the creditor tries to do any of the following things to try and get you to pay back the money you owe, this could be considered harassment. 
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