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What counts as creditor harassment?

If a creditor does any of the following things to try and get you to pay back the debt you owe, this could be considered creditor harassment:

Contacting you several times a day, or early in the morning or late at night.

Using more than one debt collector at a time to chase you for payment.

Not telling you if the debt collector at a time to chase you for payment.

Using paperwork or a business logos that appear to be official when they’re not, for example sending you letters that look like court forms.

Putting pressure on you to pay all the money off, or in larger instalments when you can’t afford to.

Threatening you physically or verbally.

Ignoring you if you say you don’t owe the money.

Trying to embarrass you in public.

Telling someone else about your debts or using another person to pass on messages, such as a neighbour or family member.

Falsely claiming to work for the court or be a bailiff.

Implying that legal action can be taken when it can’t. For example, implying that your home can be taken from you without a court order.

Giving the impression that court action has been taken against you when it hasn’t.

Giving the impression that not paying the debt is a criminal offense. For most debts, it is not a criminal offense if you don’t pay them.

Putting pressure on you to sell your home or take out more credit.


Been very very helpful in sorting all my debts into one payment therefore allowing me to relax and stop stressing about constant phone calls and messages from creditors.

—Trusted Customer