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Impartial advice from our financial experts
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Thank you for all your help with our Trust Deed. Itís such a relief to speak to someone professional.
Mrs. T. Wright from Glasgow
I had debts of £57,000 costing me £986 per month. Now all I pay is £190 per month for 60 months"
Mr Wilkinson from Stafford

Dealing with Debt Collectors

If you are in debt and have missed payments to your creditors they will try anything to try and get you to pay. At the end of the day they want their money back and they will use a lot of underhand tricks to try and get you to cough up. Most of these tactics are actually illegal so be vigilante and strong when dealing with these companies and don’t be bullied by them. No one is advising you not to pay your debts but creditors and debt collection agencies should be more professional when dealing with debtors.

Debt scare tactics

Creditors and debt collection companies will play on the fact that you do not know your rights when it comes to making repayments. Have you every wondered why there is so much small print in contracts? Part of the reason for this is they know most people won’t read through all of them and understand all the jargon. Debt collection companies bank on these facts when it comes to recovering debts.

If you owe money and have missed payments, you may be receiving some of the following symptoms;

  • Constant letters from you creditors
  • Constant phone calls to your home or workplace
  • Threats of court action
  • Threats of repossession of goods or even your home
  • General threatening behaviour

All the points mentioned above would be seen as harassment in a court of law or by the OFT (Office of Fair Trading). Don’t be afraid to report them if it gets too much. More awareness is needed to bring to light how these debt collection companies operate.

Talk to you creditors

The worst thing you can do is ignore your creditors. At the end of the day all they want is the money back. Pick up the phone and explain to them your situation. Ask them if they can help in any way whilst you get through your difficult period. If they are not forthcoming or helpful don’t panic, the UK Debt Advisor can negotiate for you on your behalf. We can negotiate new terms and conditions, reduce direct hassle from your creditors and also look to get interest and charges frozen to help you become free of debt faster.

Professional help

If you need some professional assistance contact the UK Debt Advisor now.