Category: Illegal Debt Collection
How to Report a Debt Scam and Protect Your Rights
Understanding Debt Scams A debt scam is a type of fraud where criminals pretend to be legitimate debt collectors in order to trick you into paying money you don’t actually owe. These scams can be sophisticated, with fraudsters using convincing tactics to pressure or frighten you into making payments. Understanding how these scams work is…
How to Spot and Avoid Fake Debt Collectors in the UK
What Are Fake Debt Collectors? Fake debt collectors are individuals or organisations that pretend to be legitimate debt collection agencies in order to trick people into paying money they do not actually owe. Unlike authorised debt collectors, who are regulated by the Financial Conduct Authority (FCA) and must follow strict rules under the Consumer Credit…
How to Spot and Protect Yourself from Phantom Debts
What Are Phantom or Non-Existent Debts? What Are Phantom or Non-Existent Debts? Phantom or non-existent debts are fake debts that scammers claim you owe, even though you have no legal responsibility to pay them. These so-called debts do not exist – they are entirely made up by fraudsters aiming to trick, intimidate, or pressure people…
Debt Collection Scams and Fraud: Legal Overview
Understanding Debt Collection Scams and Fraud Debt collection scams and fraud involve criminals pretending to be legitimate debt collectors in order to trick people into paying money they do not actually owe. These scams are illegal and often rely on threats, intimidation, or false information to pressure victims. Unlike genuine debt collection, which must follow…
How to Spot and Challenge False or Misleading Demands
Understanding False or Misleading Demands When dealing with debts, it’s important to understand what counts as a false or misleading demand. In UK law, a false or misleading demand occurs when a creditor or debt collector uses incorrect, deceptive, or exaggerated information to pressure you into paying money – often more than you actually owe…
How to Challenge Unlawful Asset Seizure in the UK
What is Unlawful Asset Seizure? What is Unlawful Asset Seizure? Unlawful asset seizure happens when your property, money, or belongings are taken without the proper legal authority. In the UK, this most often occurs in situations involving debt collection, where creditors or their agents attempt to recover what you owe by taking your possessions. However,…
How to Spot and Deal With Unlicensed Debt Collectors
What Are Unlicensed Debt Collectors? Debt collectors are individuals or companies that pursue unpaid debts on behalf of creditors, such as banks, credit card companies, or utility providers. In the UK, anyone who collects debts as a business must be authorised by the Financial Conduct Authority (FCA). If a debt collector operates without this authorisation,…
