Category: Unfair Debt Practices
Dealing With Persistent Calls, Texts and Doorstep Visits
Understanding Persistent Contact from Creditors Persistent contact from creditors refers to repeated attempts to get in touch with you about an outstanding debt. This can happen through various channels, such as phone calls, text messages, or even visits to your home – often called “doorstep visits.” While creditors have the right to contact you to…
Dealing with Threats and Aggressive Language from Creditors
Understanding Threats, Intimidation and Aggressive Language by Creditors When dealing with debt collection, it’s important to understand what counts as threats, intimidation, and aggressive language from creditors. These behaviours go beyond firm requests for payment and can have serious effects on your wellbeing and rights. What Constitutes Threats, Intimidation, and Aggressive Language? Creditors cross the…
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,…
How to Claim Compensation for Unfair Debt Collection
Understanding Your Rights Against Unfair Debt Practices When dealing with debts, it’s important to know your rights and recognise when a creditor or debt collector is acting unfairly. Unfair debt practices are behaviours or tactics used by creditors or collection agencies that go against legal rules or ethical standards. These practices matter because they can…
How to Spot and Challenge Buy Now Pay Later Misinformation
Understanding Buy Now, Pay Later (BNPL) Misinformation Understanding Buy Now, Pay Later (BNPL) Misinformation Buy Now, Pay Later (BNPL) is a form of credit that allows you to purchase goods or services and delay payment, often spreading the cost over several weeks or months. These schemes are widely used for online and in-store shopping, promising…
How to Complain to the Financial Ombudsman Service UK
What is the Financial Ombudsman Service? The Financial Ombudsman Service is an independent organisation set up to help people in the UK resolve disputes with financial companies – such as banks, lenders, and debt collectors – without having to go to court. This service is completely free for consumers and acts as a neutral third…
How to File a Complaint with Your Lender in the UK
Understanding Your Rights When Complaining to a Lender Understanding Your Rights When Complaining to a Lender When you feel you’ve been treated unfairly by your lender, it’s important to know that UK law offers you clear rights and protections. Understanding these rights is the first step towards making a strong and effective complaint. Your Rights…
