How can I deal with aggressive debt collectors?

  • John Baird -
  • 10th November 2017 -
  • 2 minutes to read

Dealing with debt collectors can be a highly stressful experience, but when they’re aggressive in their techniques, how do you deal with it? Strict regulations surround the collection of debts, and it’s against the law for debt collectors to act aggressively, intimidate or bully, or intimate they can carry out certain enforcement actions when in reality they cannot.

So what do you do when a debt collector contacts you and acts aggressively whilst trying to collect a debt, whether in person, on the telephone, or by letter?

Find out as much as possible about the debt

It’s not uncommon for the wrong person to be chased for an unpaid debt, so the first step is to confirm whether you do actually owe the money. You can do this by writing to the debt collection agency, as they’re obliged to provide you with the original credit agreement. Also inform them that you only want to communicate by letter – this should put an end to phone calls or visits to your home.

If you owe the money they’re trying to collect and can to pay some or all of it, it’s advisable to do so - it will prevent any further escalation of a stressful situation. Should you be unable to pay anything towards your debt, however, you may be able to negotiate a new, more affordable repayment plan.

What aggressive actions might a debt collector take?

  • Attempting to force their way into your home – debt collectors have no right of entry into your property, and should only enter if invited. They must also leave when requested. You don’t have to answer the door when they arrive, however, and this can sometimes be the best option if you’re not sure of your rights.
  • Telling you they have power to seize your possessions – a debt collector might tell you they’re going to remove possessions from inside or outside your property, but they have no such authority. Only bailiffs can seize goods and possessions in repayment of a debt.
  • Saying they can deduct repayments from your wages without a court order – debt collectors require court authority before money can be taken from your wages.

Scotland Debt Solutions has been helping Scottish residents to escape debt for over 25 years. Our expert team has extensive experience of advising clients when debt collectors use aggression as a means to obtain payment - we will make sure you understand your rights, and the best way to proceed. Contact us today for a free same-day meeting.

John Baird
John Baird
Partner
About

Why Choose Us

Speak Direct With
Speak Direct With
A Qualified Adviser
We Dont Operate
We Dont Operate
Call Centres
5 Offices in Scotland
5 Offices in Scotland
National Coverage
Ask us About
Ask us About
We Do Home Visits
Fully Regulated Advisors
Fully Regulated Advisors
From a Reputable Firm
Helping Scots Get
Helping Scots Get
Out of Debt Since 1989

We'll give you a call

Our Scottish based team can help advise you on your debt problems.

When should we call?
Can we leave a message?
Here at Scotland Debt Solutions we take your privacy seriously and will only use your personal information to contact you with regards to your enquiry. We will not use your information for marketing purposes. See our Privacy Policy.
Tools

Useful Tools

Personalised Debt Report

Personalised Debt Report

Our personalised debt report will help you better understand your financial position and see where your money is going.

Free Scheduled Call

Free Scheduled Call

 Arrange a call with an expert advisor at a time to suit you.

Find a Local Office

Find a Local Office

We have five offices located across Scotland. Find your nearest one here.

Close Menu Share with a Friend

Send this page to a friend

via Whatsapp via Messenger via Messenger via Email
Make sure you have WhatsApp installed.

Copy link to clipboard
Close