Facing a barrage of letters and phone calls from angry creditors can be a daunting scenario but it’s important for you to understand the rights of both parties in order to ascertain what is deemed ‘harassment’ and what your creditors are legally entitled to do before and after you have sought professional debt help.
Firstly, whether you’re currently in a debt repayment programme or not, there are certain types of creditor behaviour that would give you legal reasoning for complaint, such as:
Outside of these arrangements, creditors are legally entitled to:
However, we may be able to put one of these three arrangements in place, depending on your circumstances, which will allow our team to take care of all communication with your creditors on your behalf. That means no more dreaded phone calls, no more debt collector visits to your home, and no more threatening letters through the letterbox.
Universal Credit (UC), Housing Benefit, and the Council Tax Reduction Scheme are just three types of benefits in Scotland but what happens if you're in debt?
The Covid crisis has caused debt problems for thousands of people in Scotland. One common debt concern is car repayments. Read our car finance advice here.
Our Scottish based team can help advise you on your debt problems.