Phone calls from debt collectors can be stressful and depressing, especially if you’re receiving calls from more than one company.
Most creditors will prefer to call you as it’s easier for them to put pressure on you to make a payment this way.
Dealing with phone calls from debt collectors
Should I ever ignore my creditors?
You should never ignore your creditors, but you don’t need to take calls if you find them threatening or you’re repeating yourself each time. All the important information that your creditors need to tell you, they should send to you in writing.
Creditors can contact you if you aren’t making your agreed monthly payments. But they must keep to the rules set out by Financial Conduct Authority (FCA).
How to make a complaint?
If your creditors are treating you unfairly and don’t keep the rules set out by FCA you can make a complaint. If you plan to do this, you’ll need to keep a record of all the calls you get.
The best way to do this is to keep a notebook by your phone and write down each call or voicemail you get. Record the date and time, who called you and what was said. This information can then be used as a basis for your complaint.
Don’t let your creditors falsely threaten you only because you’re broke!
Know your rights!
Be honest with them!
Pay what you can and one day you’ll be debt free.
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