Many people are wondering “what constitutes harrassment from creditors?” & “how can I tell if I’m being harrassed by my creditors?” and other questions with a roughly synonymous meaning, on this page we will address this issue in further detail for you to educate you further.
What can be considered harassment by a creditor?
There are several things that creditors may do to you (in this case, the debtor) in order to chase up debts in a way that could be considered harrassment. These behaviours’ may include occurances such as:
Contact multiple times per day, morning, noon and at night, generally by phone.
Further pursuit for debt repayment on social media websites such as Facebook, twitter, instagram, etc.
Attempting to pressurize you: the debtor into taking out further loans, credit cards, or to remortgage your property in order to repay the debt.
Commissioning the services of more than one debt collection agency to chase you aggressively for the debt.
Passing through your outstanding debts to a debt collection agency but not giving you notice of transfer.
Using paperwork that is designed in a misleading faction to appear as though it is a court document or a court order.
Pressure from the creditor on you to pay off the debt earlier or in bigger installments than what is affordable by you.
Verbal or physical threats: these are strictly prohibited and potentially a legal/civil matter, you are within your rights to report threats of any sort to the police.
If you state you don’t owe the money and they ignore this, this can be classed as harrassment.
Any attempts at public embarrassment or something that would embarrass you.
Violation of your privacy by informing someone else of your debts or asking someone else to remind you of your debts.
Claiming to work for the court or claiming to be a legal representative or enforcement agent, or bailiff.
Stating or giving the implication that legal action can be taken against you when or if this is not the case.
Implying the courts have taken action against you when they haven’t taken such action.
Implying that a none payment of the debt is a criminal offense.
What doesn’t count as harassment by a creditor
Some actions that creditors take in relation to debtors (in this case yourself) can be considered harrassment, but some cannot. Here are some permissible reasonable steps creditors can take to pursue the debt:
Standard reminders for repayment and monthly repayments
Contact by phone to ask for repayment, as long as it is not excessive and in unsocial hours
Calling at your home, provided it is in normal waking hours and not excessively late or early
If neccessary and the pursuit of the debt has progressed to this stage, taking you to court (CCJ).
Tired of dealing with creditors? Are There Better Solutions?
There are different ways to halt creditor hassle.
1) Dealing with the creditors yourself and working on a repayment plan – they may not accept this if the debt has been outstanding for a long period of time so keep this in mind when considering taking this on yourself.
2) Enlist the help of debt experts and enrol on a debt management plan (DMP) we may be able to help you with this, contact us for a free debt assessment should this be of interest to you.
3) Enlist the help of debt experts for an insolvency solution such as an IVA which is a legally binding solution (otherwise known as an individual voluntary arrangement) which halts creditor hassle much like a debt management plan but also has extra legal powers and is government supported.
For more information on what could be done about your debts, get in touch with us to request a free debt assessment.
Other related posts: How Long Can My Creditors Chase Me For Debts?