Category: Unfair Debt Practices
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…
How to Report Unfair Debt Collection in the UK
Understanding Unfair Debt Collection Practices Understanding Unfair Debt Collection Practices Unfair or illegal debt collection practices refer to actions by debt collectors that go against the rules set out to protect consumers in the UK. These practices are not only distressing but may also breach laws and regulations designed to ensure that debt is collected…
Your Data Rights When Debt Collectors Contact You (UK)
Introduction to Debtor Data Protection and GDPR Introduction to Debtor Data Protection and GDPR When a company buys or manages your debt, they often gain access to sensitive personal information – such as your name, address, contact details, financial history, and details about your debt. Debtor data protection refers to the legal safeguards in place…
How to Check If a Debt Collector Really Owns Your Debt
Understanding Debt Ownership Understanding Debt Ownership When you borrow money or take out credit, you enter into an agreement with a lender – such as a bank or finance company. However, if you fall behind on repayments, that original lender may decide to sell or transfer your debt to another company. This means that your…
How to Recognise and Stop Harassment by Bailiffs
What is Harassment by Bailiffs? Harassment by bailiffs happens when a bailiff uses unfair, aggressive, or threatening behaviour while trying to collect a debt. In the UK, bailiffs (also known as enforcement agents) must follow strict rules set out in laws such as the Tribunals, Courts and Enforcement Act 2007 and detailed guidance from the…
