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Creditors are entitled to contact you to collect unpaid debts. They can contact you by letter, phone call or home visit.

But they have to act within the law and obey a number of guidelines that are set down by the Office of Fair Trading.

Unfair debt collection
The OFT have set out guidelines on what they consider to be unfair debt collection practices. These include:

Calling you at work without permission
Discussing your debts with an employer or family member
Refusing to deal with advice agencies like us
Pressuring you to borrow more money to pay off debts
Pretending to have legal powers they do not have
Adding unreasonable charges
Continuing to contact you when the debt is being disputed
If a creditor repeatedly fails to follow these guidelines, the OFT can issue a warning, impose a fine or withdraw their credit licence.

The guidance is available to download free from the OFT website.

Debt advice
If you need any help or advice on how to deal with your creditors we provide free, impartial and expert advice.

For an online assessment of your situation and instant advice, you can use our online Debt Remedy tool. If you’d prefer to talk to one of our expert advisors, call our free Helpline on 0800 138 1111.