9/10/2023 0 Comments Ring me anytime![]() ![]() If you have a phone with caller display you can choose not to answer calls from your creditors or from other numbers you don’t recognise. If your creditors continue to ring after you’ve told them to stop you can make a complaint. It’s important you still read letters or emails from your creditors. We have an example 'stop a creditor from calling' letter (PDF) you can use to ask for this. If you don’t want to receive any phone calls you can ask your creditors to remove your number from their records. If they call at work after you’ve told them not to you can make a complaint about their actions. However if you tell them you don’t want calls at work they must stop using the number. If you gave a work number on the application form when you took out a debt, your creditor can call you on it. You can make a complaint if they keep calling at times you’ve told them to avoid. They should keep a record of this and avoid calling you at these times. If you can’t take calls at certain times tell your creditors. But your circumstances may be different, for example if you work night shifts. Most people would agree that calls before 8am are too early, and calls after 9pm are too late. Your creditors should not call you at ‘unreasonable’ times, but the law doesn’t set any times when creditors can call. If you feel the amount of calls you’re getting from a creditor is unreasonable, you can ask them to stop. A call every few days from one creditor might not be a problem, but a call every few days from 10 or 20 creditors can feel like an onslaught.Īlthough there are no official rules or guidance in place, most people would agree one call a week is probably okay, but calling every day definitely isn’t. If you have several creditors, the volume of calls can be much worse. In the past we’ve highlighted the issue of nuisance calls. But the law doesn’t state a maximum number of calls a creditor can make. If your creditors call you too often it can amount to harassment. Worried about phone calls from creditors? ![]() Creditors may exaggerate what may happen if you don’t pay. If you’re worried about anything they say note it down and call us afterwards for impartial debt advice. Don’t let them pressure you into making payments you can’t afford. When a creditor calls they may threaten to take further action unless you make a payment. If you find you can’t afford these payments you can cancel them at any time by contacting your bank. If you make an arrangement to pay by instalments your creditor may take your bank account or card details so they can take the future payments by Direct Debit or continuous payment authority. They may also want more information from you, such as the reason why you can’t pay, and details of your current income and living costs so they can see what you can afford. If you can’t make the full payment they’ll often try to make an agreement with you to pay by instalments. The caller will often ask for a card payment over the phone. However, this is not the case for all creditors and some may seem unsympathetic. The approach creditors take when they call varies and some will be understanding and supportive if you explain your difficulties. Creditors call you because it’s a very effective way to get a payment. ![]()
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