How to Complain about Debt Collection Agencies?
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Receiving an unexpected letter from a debt collector can be a shock. This can leave you with many questions. Where has the debt come from? Do I need to pay? Is the debt real? What if I can’t afford to pay?
But don’t worry, we can help you with answers to all these questions. In this guide, we’ll talk about:
- How to make a complaint about debt collection agencies
- The new 2023 laws about debt collection
- How to check if the debt is real
- How to handle it if you cannot afford to pay
- How to get more help with your debts
We know this can be a tough time, as nearly half of the individuals who deal with debt collection agencies have experienced harassment or aggression1. Over 170,000 people visit our website each month for help just like this. You are not alone. We have a lot of experience in helping people handle debt.
So, read on to learn more about how to handle unexpected debt letters.
How to Complain about Debt Collection Agencies
Know Your Rights
It’s very important that you know your rights when dealing with debt collectors, as this can help you have an edge over the situation. Here’s a quick table summarizing what debt collectors can and can’t do.
|Debt Collectors Can
|But They Can’t
|Contact you by phone or mail.
|Call you after 9pm or before 8am.
|Conduct home visits (on rare occasions) and knock on your door.
|Forbily enter your home, or stay if you ask them to leave.
|Threaten to take you to court by suing you for payment on a debt.
|Harrass you, including threats of violence, repeated calls and visits, or abusive language.
|Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing.
|Visit your workplace.
|Access your bank account, but only after a court judgment has been made.
|Take anything from your home or threaten to do so.
|Sell your debt.
|Speak to other people about your debt without your permission.
|Contact you frequently.
|Keep doing so if you request that they reduce communications.
Where Should I Direct My Complaint?
Where Do I Take My Complaint Next?
» TAKE ACTION NOW: Fill out the short debt form
What Details Do I Need to Provide?
What Happens Next?
A Decision and Appeal
What Will My Complaint Achieve?
The average unsecured debt has increased by 25% year-on-year, rising to £13,9412. This means that there are new debt collection companies created every year, and with enough complaints, new guidelines can be established to regulate their behavior.
How a debt solution could help
Some debt solutions can:
- Stop nasty calls from creditors
- Freeze interest and charges
- Reduce your monthly payments
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Monthly debt repayments
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
The Ombudsman Can Assist with Direct Complaints
Common Reasons to Complain about Debt Collection Agencies
Janine, our financial expert, explained that while debt collectors can visit your home for payments, they cannot come to your workplace, act threateningly, force payment, or discuss your finances with others. If they violate these rules, you can complain.
Will a Complaint Wipe My Debts?
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
Reviews shown are for The Debt Advice Service.
Checking for Other Debt Collectors
There are a lot of ways to get into debt. In fact, it’s not uncommon to owe money to several companies at once.
Perhaps you have a mortgage, a car loan, a couple credit cards and an item or two you bought on buy-now-pay-later schemes. It’s easy to lose track.
That’s why it’s important to regularly check your credit report and bank statements to make sure you haven’t missed anything.
If a debt collector has purchased your debt, it appears on your credit report.