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…
Unfair Debt Practices: Legal Overview for the UK
Understanding Unfair Debt Practices Unfair debt practices are actions by debt collectors or lenders that go beyond what is reasonable or lawful when trying to recover money owed. Common examples include persistent phone calls or visits that amount to harassment, adding charges that you do not actually owe, or giving you misleading or false information…
Debt Purchasing and Your Data: Legal Overview
Understanding Debt Purchasing When you fall behind on payments to a bank, credit card company, or utility provider, your debt may be sold on to another company. This process is known as debt purchasing. Debt purchasing companies, often called debt buyers, purchase unpaid debts from original lenders – usually for less than the full amount…
Harassment by Creditors: UK Legal Overview
What is Harassment by Creditors? Harassment by creditors happens when a creditor or debt collector uses unfair, aggressive, or persistent tactics to chase a debt. While creditors are allowed to contact you about money you owe, there are clear rules about what is acceptable. Harassment goes beyond reasonable attempts to recover a debt and can…
Illegal Debt Collection: UK Legal Overview
What is Illegal Debt Collection? Illegal debt collection refers to any actions by debt collectors that break the law or official guidelines when trying to recover money owed. In the UK, debt collectors must follow rules set out by the Financial Conduct Authority (FCA) and laws such as the Consumer Credit Act 1974 and the…
Mis-selling of Credit Products: Legal Overview
What is Mis-selling of Credit Products? Mis-selling of credit products happens when financial providers – such as banks, lenders, or brokers – sell credit agreements like loans, credit cards, or mortgages in a way that is misleading, incomplete, or unsuitable for the customer’s needs. Under UK law, including the Consumer Credit Act 1974 and regulations…
How to Spot and Challenge Unfair Debt Charges in the UK
What Are Unauthorized or Excessive Debt Charges? What Are Unauthorized or Excessive Debt Charges? Unauthorized or excessive debt charges are costs added to your debt that you either did not agree to, do not owe, or which go beyond what is fair or allowed by law. Understanding what counts as unauthorized or excessive can help…
Unfair Contract Terms and Fees: Legal Overview
What Are Unfair Contract Terms and Fees? Unfair contract terms and fees are clauses in debt agreements that put borrowers at a significant disadvantage. In the UK, a contract term is considered unfair if it creates an imbalance between the lender and the borrower, to the borrower’s detriment, and is not necessary to protect the…
