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Category: Harassment

Chris O’Shea CEO of Centrica & British Gas Earns £775K Whilst The Vulnerable Suffer.

Chris O’Shea CEO of Centrica & British Gas Earns £775K Whilst The Vulnerable Suffer.

Centrica CEO Chris O’Shea has a salary of £775,000 per year and waives a £1.1 Million Bonus. His decision came as gas and electricity prices are set to soar by more than 50% for 22 million households across the UK in April.

Centrica said British Gas Energy saw a 44% jump in profits to £118 million last year. Citation.

** (The following is just my opinion and not fact). However one needs to look at the bigger picture if there is a board of directors for argument’s sake there are 12 as the pdf below suggests, and some not all are on a payroll (Non-executive directors are not directly employed), but that is not to say they do not get commissions or donations) and if each one has received £250K (hypothesis) per annum, that would be £2.75M, you have to ask yourself this question who works for nothing... https://boardappointments.co.uk/uk-non-executive-director-remuneration/

Biographies-Centrica

How can you pay for increased prices if you do not have the money, to begin with?

I first would like to add I actually give this company free advertising space on my useful links page under the heading charities and on this page. (Backlinks Cost Money)!! Advertising was requested by British Gas in May.

I would like to introduce myself, I am the Editor of ‘Disability UK -Disabled Entrepreneur Journal’. I am a Businesswoman and Author. I suffer from Cerebellar Atrophy Cognitive Impairment, Obsessive-Compulsive Disorder (OCD), and Depression. My Disabilities do not define me and I am not afraid to say I have them. I am also a carer for my daughter who has ‘Multiple Sclerosis’.

I have indeed contacted ‘The British Gas Charity’ which is a joke (application Number 1035904). I filled in the form and submitted my meter reading and documentation. They said it would take 10 days for someone to approve my application (that was on the 31st of May 2022) and it did not surprise me that they never responded.

It is all smoke and mirrors because if the majority of people in Britain with British Gas are in turmoil, I do not think they have endless amounts of money to give away. So their charity is not worth the web space.

I am a genuine case and for them to not even respond says a lot about them. (Try them out for yourself if you are a British Gas Customer, but do not get your hopes up).

In turn, I said I have a donation page on my site, I continued to say how about everyone in British Gas pays £1.00, and that would go to paying off my debt, the woman (Valencia I believe) I spoke to said that will never happen, yet I am supposed to advertise this company to my readers, and get nothing in return? Better still, how about the CEO Chris O’Shea pay off my debt seeing as I am advertising for free and they wasted two and half hours of time where I could have been working and caused me ‘Emotional Distress’!!!

https://britishgasenergytrust.org.uk/ 

(Help With Utility Bills)

Now if a company has profits into the millions then they should take into account vulnerable people which they do not.

After being prompted to phone British Gas because I was being spammed 6 times by this number: 03332029470, (this is harassment) I took it upon myself to phone and complain. The phone call today lasted 2hrs 18 mins (see screenshot).

The original number that phoned me was (03332029470) to set up a smart meter and I had to justify why I do not want one which I have written previously about: https://disabledentrepreneur.uk/how-safe-are-smart-meters-for-your-health/ The customer representative technical department went on to say they would send someone to my home to ask me why I do not want one. Good Luck to anyone visiting as I am not allowing anyone over my threshold. The woman I spoke to said that because I had submitted a meter reading my monthly bill which was at the beginning of the year £65 rose to £90 in April, then rose again to £138 in May, and wait for this rose again today to £190 per month.

£190 Per Month Gas Payments!

I started crying (no word of a lie), I told the operative that the most I can afford is £100 per month and she point blank refused to help spread the costs over 36 months.

She continued to say that my usage is a prediction….well before the meter reading I had my central heating on 24/7 as I have black mold and my daughter who has multiple sclerosis cannot be around the spores, so I need to keep the house warm.

I said my life is not important whilst my daughter is and I said it was unreasonable and unfair to make me pay £190 when I cannot afford to do so right now.

(Obviously, the woman does not know how to count because if I paid £100 already this month and I still owe £333 (1st quarter) and each quarter after that was £400 for argument’s sake that would be £1,600 per annum divided by 12 months = £133 per month and not £190). I am going to bring this up when I submit my new meter reading.

This woman simply did not care what I was saying.

I also said if I cannot afford to heat my home and the black mold spreads I can then sue British Gas if my daughter relapses again. She did not like what I said.

She gave me a complaint reference number: 8013807386

I said, “if I killed myself British Gas would not get a single penny from me”... My point was, do not push people over the edge, not that I was actually going to do it, there is a difference!

My Mental Health.

In my defense, I am NOT feeling suicidal just emotionally distressed, this is why I have an online journal where I can vent my anger and make my opinions known. I have a lot going for me and I feel for people who do not have a strong mind as I have, I see myself as their voice if they cannot defend themselves.

I use this platform to speak on behalf of people like myself or people worse off than me.

With social media, you may be restricted to what you can and can’t say. But on your own platform, you are in full control. Although I use social media to spread the articles I write.

I have a lot to live for, unbeknown to the people that are too ignorant to find out but are too quick to judge.

I mentioned this website multiple times “www.disabilityuk.co.uk” which forwards to “www.disabledentrepreneur.uk” in the phone call as I knew it was being recorded. I did it purposely so that people realize who I am. I will not stand for intimidation from anyone of any kind.

I just wanted British Gas to be empathic which they were not.

Duty Of Care.

What made me laugh was at the end of the call she said it was a duty of care for her to report me to the authorities because I mentioned the dreaded “If I kill myself”. She did not want any repercussions. It was not that she cared. People do not care unless it directly affects them. She did not want ‘British Gas’ to be in the news and I guess they are told if a customer says anything that is a red flag to report it. In other words, she has kicked the can down the road, so nothing happened on her watch.

Bring it on is all I can say because this will cause a domino effect and open up a can of worms.

In fact, I reached out to my GP in a letter over my mental health that was put on the system last year but was never actioned by any doctor.

According to the practice manager, Doctors are too busy to respond to emails or letters even though my daughter’s Neurologist who is also a Professor at Oxford University has the time and decency to respond to my daughter’s emails.

My time does not matter to anyone.

I have another day wasted rather than working, I have had to fart around having to waste nearly two and half hours of my precious time to get nowhere.

Let’s see what the media will say when I send this to every corner of the planet.

British Gas Has Caused Me Emotional & Psychological Distress!

Debt Recovery

Let the fun begin because if ‘British Gas’ decide to try and come after me and they use harassment tactics I am fully armed. Besides I plan to pay them off next month.

This would not be the first time they have been sued and I doubt it will be the last.

https://www.standard.co.uk/business/how-british-gas-ended-up-in-court-for-being-too-heavyhanded-with-customers-6878749.html

I mentioned the National Debt Line: https://www.nationaldebtline.org/fact-sheet-library/gas-and-electricity-arrears-ew/ and said that Utility Companies have to adhere to rules such as and the woman said my circumstances do not apply and it would be impossible to give me breathing space:

Vulnerability

People can be vulnerable for a wide range of reasons. Vulnerability can be linked to age, physical health, mental health, or going through a difficult time in life. A vulnerability could be temporary or ongoing. You should let your supplier know if there is anything about your circumstances that makes you vulnerable as they may offer you more support if they know this.

You should also check if your supplier has signed up for the Energy UK Vulnerability Commitment. Energy UK is a trade association. Suppliers signed up to the Vulnerability Commitment have said they will provide extra support to vulnerable customers. This includes:

  • Make sure staff have an understanding of vulnerability and can identify that you might be in vulnerable circumstances;
  • Give you an alternative way of contacting them in addition to phone contact;
  • Provide a freephone number if you are in financial difficulty and they think it is appropriate; and
  • Make sure you have paper versions of your bill if this is what you need.

This is a B#ll Sh#t because the woman today did not provide any of the above.

Furthermore, she refused to co-operate by turning the onus on me that I am not co-operating by not agreeing to pay £190 per month.

British Gas is having a laugh.

I said if it means I do not use hot water to bathe and not cook as well as not heating my home although I cannot see it being cold for a few months then that is what I will have to do. (This is degrading and affecting one’s quality of life).

I reiterated that I would be writing about British Gas on this website and “I quote the woman saying “we do not have anything to do with disabilities”.

I had zero support for my daughter and me who both have mental and physical disabilities.

This is what is stated on their website say: https://www.britishgas.co.uk/energy/help-if-youre-struggling-to-pay.html

Zero Support.

They have clearly not helped and made matters worse by causing emotional distress which is (tort). Emotional distress can be taken to court. https://disabledentrepreneur.uk/emotional-distress-compensation/

The moment I can pay this company off I am going to switch providers and will never recommend this company to anyone. They have an affiliate program which means they want help with marketing, so any affiliate marketers should avoid this company. By coincidence ‘British Gas’ are advertisers on Awin who I use for my affiliate marketing projects. Saying this I will never promote this company actively even though I have them listed on my useful links page and mentioned them in my article indirectly.

May I add that they never responded to my letter attachment in the email which had an auto-responder come back that they had in fact received my correspondence on the 28th of May 2022 but chose to ignore it?

Condenscending and Intimidating.

People working for these large blue-chip companies should keep their tone neutral, and opinions to themselves they should not be biased.

The woman (Valencia) I spoke to said I should look at stepchange.org I explained I am fully aware of my rights and she became condescending demanding I tell her what they said.

I am not going to allow you to browbeat me as this woman was trying to do.

My gut feeling is they have calculated my meter reading of what I owed prior to the price hike to the new prices to make more money.

I will be posting my new meter reading on here tomorrow including the one on the 31st and will see if my reading goes up again.

**I have published this page but may update it with more information, as when I get any updates from British Gas who emailed me today and said they had deadlocked my complaint, according to ‘Valencia’. As far as I am concerned it is not over until ‘the fat lady sings, in other words, it is a colloquialism that is often used as a proverb. It means that one should not presume to know the outcome of an event that is still in progress. More specifically, the phrase is used when a situation is nearing its conclusion.

So please come back for more updates.

Meter Reading 31/05/22
Meter Reading 15th June 2022

I am now going to be a thorn in British Gas’s side and every month I will be doing a meter reading.

Will I be pursuing “Emotional Distress Compensation” of course I will, and this is what you should do if you too feel you have become unwell because of any company.

https://www.financial-ombudsman.org.uk/consumers/expect/compensation-for-distress-or-inconvenience

https://disabledentrepreneur.uk/emotional-distress-compensation/

Did yesterday’s (14/06/22) fiasco cause me emotional distress, and did British Gas treat me badly of course they did and this is not over until I say it is regardless of their deadlock narcissistic letter.

If you are in a similar position to me, it is not the end of the world and there is a solution to every problem.

If you feel suicidal call the Samaritans 116 123 (UK) or visit A&E – (UK) / ER – (USA) or call the Emergency Services 999 (UK) / 911 (USA).

On that note, I did get a welfare check from the Police albeit it was seven hours after my initial phone call to British Gas had ended and guess what the Police said they were on my side and agreed that the CEO needs to be aware of this as they are getting a lot of calls like the one they received about me.

Stay safe and do not let these companies bully you.

It is not your fault that the greedy people blue-chip companies, at the top of the food chain like P#tin, and the Banks, Governments, and Large Corporations want to milk every last penny out of you.

UPDATE 15/06/22

I have received two emails from British Gas and a letter regarding my complaint despite me saying I do not want letters in the post. (How to kill the planet with carbon emissions).

So they have disregarded my new meter reading which is calculated as follows and are not supporting people with mental health or disabilities, let the fun begin because I am going to be messaging the CEO directly:

Below is the email that was sent to me:

Total disregard for my new meter reading and disabilities.

Here are the calculations per unit as per the British Gas Website:

FINAL THOUGHTS

Ironically ‘British Gas’ will report you as “Duty of Care” if you happen to say something out of turn to make them look better but in the next breath disregard your disabilities and worst-case scenario cut off your supply.

People who are vulnerable especially old people may not turn on the heating or cook a hot meal in order to make sure their energy bills do not increase.

So although ‘British Gas’ may come across as they are helping it is all smoke and mirrors and they do not care about your well-being and would much rather pass the buck.

The other joke is why not reach out to organizations that specialize in financial difficulty. If you already know your financial circumstances and do not have the extra money, to begin with, no amount of juggling will pay off your debt and all you will be left with is to sell your assets if you have any or go bankrupt.

Maybe if everyone were to go bankrupt nationwide the Government would do something about it or maybe this is the end goal where no one owns anything (the great reset)?

https://www.weforum.org/great-reset/

https://en.wikipedia.org/wiki/Great_Reset

I am not sure what the hidden agenda is but if vulnerable people do not get the help then unfortunately there is going to become a bigger problem.

Nobody should live in poverty, not in the 21st Century, and not have a good quality of life. People should NOT be killed because of W#rs. W#ars are big business to the people on top of the food chain. If world leaders have no regard for human life by starting w#ars, what chances have the rest of us got? I am sorry but if any country starts a w#r where people will be killed it just shows they do not care about humans in general. Nobody should die to help the 1% richer.

If the cost of living is the cause of the increase in mental health then powers that be that are responsible for the demise need to be made accountable.

https://www.mind.org.uk/information-support/tips-for-everyday-living/money-and-mental-health/

https://equiniti.com/uk/news-and-views/eq-views/championing-the-vulnerable-in-utility-services/

money-and-mental-health-2022-pdf

How can you pay for increased prices if you do not have the money, to begin with?

Together we are strong and we can fight this!

#chrisoshea #ceocentrica #vulnerablepeople #mentalhealth #suicide #suicidalthoughts #costofliving #britishgas

Creditor Harassment & Mental Health.

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Creditor Harassment and Mental Health!

Creditor Harassment & Mental Health

Disclaimer: This site primarily focuses on residents in the UK, however, it’s okay if you are from another part of the world as we try to help everyone. One thing you must take into consideration is this article has links to UK Government Official Bodies. Should you be reading this in the USA for example please contact your local legal office for advice. Furthermore, if you are experiencing financial difficulty and you are in debt, tell someone, you should not suffer in silence. Write down all your income and outgoings and let your creditors know you are finding things difficult. Ask them for extra time. They may give you an option to pay reasonable amounts without you losing sleep. No one should get themselves so worked up that it affects their mental health.

Who is a Creditor?

A creditor could be a bank, a credit card company, a business, a loan company, or a utility provider.

The creditor usually provides property, services, or lends out money, including but not limited to anything you have taken out on finance such as a car, white goods, or even phone/broadband providers.

A creditor is basically a person, a business, or an institution you own money to.

All creditors should give you the option to pay off the debt in installments even going as far as capping interest rates.

It will take the creditor a lot longer to get his/her money if he/she has to pay a credit agency or if you agree on an IVA where most of your debt is written off.

Most creditors are reasonable but there are a few that are not.

Explain how the debt is affecting your mental health and if you are unable to function properly or go to work, (after all they want you to continue getting a wage, in order to pay them). Most will be understanding and show empathy but there will be a few that may not care.

Remember to document everything including saving emails/text messages and letters which all count as evidence of your communication.

The Protection from Harassment Act 1997

A creditor that continually phones and texts on your business number causing you to turn it off consequently causing you to lose business is causing a criminal offense.

Debt collecting agencies and creditors, especially credit card companies use multiple telephone and mobile numbers and even if you block them they will still get through, even if you have blocked all notifications and incoming calls.

They after getting their money back by any means possible. Some have no regard for your circumstances or your mental health and may become patronizing, judgemental, and condescending when you finally contact them.

Engaging in harassment during the debt collection process is also deemed a criminal offense.

The harassment may be verbal or written, either via letter, email or text and includes making repeated calls and texts during non-social times or to the workplace of the debtor”.

The Protection from Harassment Act 1997 considers it a criminal offense for a person to take any action that is known or should be known, to be harassing another person.

DEBT COLLECTION GUIDELINES

The Office of Fair Trading (OFT) specifies unfair practices regarding debt collection in its Debt Collection and Debt Management Guidelines. These include accounts in arrears or those having missed payments.

The Guidelines focus on a section about “contacting debtors at unreasonable times and intervals.” 

Hours for contact regarding intervals and times that may be considered unfair are outlined. Making multiple calls during working hours, using the business number, phoning at unsociable hours, contacting neighbors and informing them of the purpose of the call, and contacting a debtor at his or her workplace are included in the whitepaper.

HOW TO HANDLE A HARASSING CREDITOR

If you think a creditor has violated one of the above laws or is not in compliance with the OFT Guidelines, you should discuss the issue with the creditor or a collection company representing it. Always reach out to the creditor with the initial complaint and then escalate it with the professional body if you feel your complaint is not taken seriously. Tell your creditor how you want to be contacted in the future and ask them to confirm this in writing.

Your letter should state that harassment is a criminal offense and you can take further action if your creditor doesn’t stop. Initially, you could write to them by email, usually, they have autoresponders confirming receipt of your email. Give them a few days to reply. Follow up by a snail mail postal letter and remember to send all letters by recorded delivery and keep copies so that you have a record of your complaint.

Prior to making contact, gather all your evidence including calls/texts (screenshot the message and capture the phone number and date) and visit times, and any emails or letters that you consider threatening or menacing.

The letter should include a request that the party immediately stop the behavior. You should also provide a preferred method of contact and acceptable times to make contact.

Once your complaint have be received and acknowledged, your creditor has 3 business days to respond informally. This could be by phone or email (This depends on your preferred method of communication as outlined in your letter of complaint). A final response letter might take longer. Your creditor also has to report your complaint to the Financial Conduct Authority (FCA), even if they respond within 3 business days.

If the creditor fails to change its practices following receipt of this letter, submit a formal complaint to the Citizens Advice Bureau, Trading Standards, or OFT.

If the behavior of a bailiff, creditor, or collection agency ever becomes extremely threatening or violent in nature, notify the police immediately.

Support Making A Complaint

If you need help complaining, writing letters, or phoning your creditors, you can phone the debt helpline on 0300 330 1313. Lines are open between 9 am and 8 pm, Monday to Friday. Calls cost the same as calls to landline numbers. Alternatively, You can also get help by contacting your nearest Citizens Advice.

You could also contact us and we could send you a template letter and you just need to fill in the blanks.

To escalate your complaint you should complain to a professional body too. Your debt collector may belong to a trade association or professional body with a code of practice (FCA) that sets out how they are supposed to behave towards you.

In Northern Ireland, you can contact the Consumer line at: www.consumerline.org.

Trade associations

If you are wondering if your lender belongs to a trade association that has a code of practice, then check out this link for Further Help. The trade association may also take action against its members who break the code of practice.

If your complaint is against a bank, building society, or credit card company, they may belong to the Standards of Lending Practice.

The Standards of Lending Practice have guidance for members which they should follow.

These include:

  1. Avoid putting pressure on a lender and not allowing harassment.
  2. Should advise to consolidate the debt or debt management.
  3. Should provide support if the lender is vulnerable, for example, if you have physical or mental health problems.
  4. Should use trustworthy debt collection agencies who must also follow the Standards of Lending Practice if the debt is passed on or sold.

You should complain to the bank, building society, or credit card company first, using their complaints procedure. If this does not sort out the problem, you can complain to the Financial Ombudsman Service, telling them that a debt collector or creditor has broken the terms of the Standards of Lending Practice. For more information about complaining to the Financial Ombudsman Service, go to the Financial Ombudsman’s website at: www.financial-ombudsman.org.uk.

For more information about the Standards of Lending Practice or to find out if your creditor is a member, go to www.lendingstandardsboard.org.uk.

Complaining about a solicitor acting for a creditor

There may be times when the debt is forwarded to a legal team and initially you get a letter from a solicitor notifying you that you have defaulted and a demand for a payment settlement. If a solicitor then starts to become harassing you on behalf of a creditor, this is considered to be professional misconduct.

To make a complaint about a solicitor, you will first need to use the firm’s internal complaints procedure. What this means is you will have to contact the law firm and lodge a complaint. If the complaint is ignored or handled unsuccessfully, you can then escalate to the Law Society. If this does not resolve the problem, you can complain to one of the professional associations. A bonafide solicitor will be a member of the Law Society and you can find their registration number in the footer section of their website. You can also check the Law Society website if the law firm or solicitor is a member.

If they are registered in England or Wales, you can complain to the Solicitors’ Regulation Authority (SRA) at www.sra.org.uk. If they are registered in Scotland, you can complain to the Scottish Legal Complaints Commission (SLCC) at www.scottishlegalcomplaints.org.uk. If they are registered in Northern Ireland, you can complain to the Law Society. Go to www.lawsoc-ni.org.

Complaining to the Citizens Advice Consumer Service

If you want to complain about a local firm, you can contact the Citizens Advice Consumer Service. They can put you in touch with your local Trading Standards Office, which can investigate whether an offense had been committed.

In Northern Ireland, you can contact the Consumer line at www.consumerline.org.

Complaining to the Financial Conduct Authority (FCA)

The FCA has rules and guidance about debt collection. Although the FCA cannot take up your individual case, they can refuse or revoke the firm’s authorization or, for example, fine the firm. It may be worth reminding the creditor that breaching the rules could affect their FCA authorization.

More about the FCA rules and guidance on debt collection in the FCA’s Consumer Credit Sourcebook at www.fca.org.uk.

Illegal money lending

In desperate times we sometimes do desperate things and we may come across companies offering us money dangling a golden carrot until the day come to pay our loan back, we may get into financial difficulty and this is where we end up in murky waters.

It’s easy to borrow money but it’s not so easy to pay it back.

You may have borrowed money from a moneylender who is not FCA authorized. These lenders are for the better word often called loan sharks and they may physically or verbally threaten you if you can’t pay back the money.

They also charge extremely high rates of interest, which means you may end up owing much more money than you originally borrowed.

It’s important to remember that loan sharks are breaking the law by lending you money in this way. They can’t enforce the high rates of interest they are trying to charge. You can’t be legally made to pay back the money and you have not broken the law if you don’t pay it back.

If you are being harassed or threatened by a loan shark and you think your life is in danger you can phone the police. If loan sharks threaten you or your family they can be prosecuted. You should also report them on the GOV website to find out how to report a loan shark on GOV.UK. 

Reporting Creditors

Reporting a problem to Trade Standards

If you want to report a problem, you should contact the Citizens Advice consumer service, (citizens advice is a community of volunteer solicitors, usually found in every town/city in the UK). The citizen’s advice will then share the information reported with Trading Standards.

Creditors Are People

Some creditors and debt collecting agency may take their jobs too seriously and may become patronizing, judgmental and condescending, and even sometimes intimidating or threatening.

“You should not live in fear of another person or organization. It is not your fault that the powers that be have decided on price hikes and consequently got you into debt”.

Creditors are the people at the end of the day, either owners of businesses or employees trying to do their jobs.

If you owe money to a creditor and stop making payments, they can take action against you to get their money back. Therefore it is best to write to them, that way everything is documented, giving them a proposal on how you plan to pay the debt off.

If you have more overheads than the income coming in tell them this. No one on the planet can get blood out of stone”.

Try to exhaust all avenues of getting extra money to pay your debt off before saying you have no money.

If you have reached out to everyone you know and have contacted organizations that may give you grants and been unsuccessful then by all means be truthful with yourself and with your creditors and do not try to brush the problem under the carpet because it will not go away and will only get worse if you do nothing over time.

You could save yourself money with postage simply by emailing them. Explain your incomings and outgoings and ask them for more time. Ask them to spread the cost of what you owe over a fixed term between 12 – 60 months.

“No One Should Live In Fear and pushing people into a corner may send them over the edge”

How Creditors Are Supposed To Behave.

Creditors are supposed to behave professionally, they should not express their personal opinions, or become, patronizing, judgmental or condescending towards you when they are trying to recover their money.

Harassment is any action that makes you feel emotionally distressed, stressed, anxious, humiliated, or threatened. It makes you live in fear and will consequently damage your mental health.

If you feel you are being harassed and becoming unwell because of a creditor, there are several things you can do to stop them from doing it.

If you need help talking to a creditor about their behavior, you can also phone the trading standards debt helpline on 0300 330 1313 if you are located in the UK. For all other countries find your local debt management agency that can assist you further.

Citizens Advice (UK) is open between 9 am and 8 pm, Monday to Friday. Calls cost the same as calls to landline numbers. 

You can also get help by contacting your nearest Citizens Advice.

Coronavirus

 If you’re struggling to pay your debts because of coronavirus.

You can check what to do if you can’t pay because of coronavirus.

What counts as harassment by a creditor

If the creditor tries to do any of the following things to try and get you to pay back the money you owe, this could be considered harassment. They include:

  1. If a creditor or debt collection agency contacts you several times a day (during working hours, whilst you are at work), or early in the morning or late at night.
  2. If a creditor or debt collection agency pursues you on social networking sites such as Twitter and Facebook, LinkedIn.
  3. If a creditor or debt collection agency puts pressure on you to sell your home or take out more credit.
  4. If a creditor or debt collection agency uses more than one debt collector to chase you for payment.
  5. If a creditor or debt collection agency does not inform you that your debt has been passed on to a debt collection agency.
  6. If a creditor or debt collection agency uses paperwork or business logos that appear to be official when they’re not, (this is fraud) for example sending you letters that look like court forms.
  7. If a creditor or debt collection agency puts pressure on you to pay all the money off, or in larger installments when you can’t afford to.
  8. If the creditor or debt collecting agency becomes threatening you physically or verbally abusive to you.
  9. If a creditor or debt collection agency ignores you if you say you don’t owe the money.
  10. If a creditor or debt collection agency tries to embarrass, humiliate or intimidate you in public.
  11. If a creditor or debt collection agency tells someone else about your debts or uses another person to pass on messages, such as a neighbor or family member.
  12. If a creditor or debt collection agency falsely claims to work for the court or be a bailiff in England and Wales or sheriff officer in Scotland (this is deemed as fraud).
  13. If a creditor or debt collection agency implies that legal action can be taken when it can’t. For example, implying that your home can be taken from you without a court order.
  14. If a creditor or debt collection agency gives the impression that court action has been taken against you when it hasn’t.
  15. If a creditor or debt collection agency gives the impression that not paying the debt is a criminal offense. For most debts, it is not a criminal offense if you don’t pay them.

What doesn’t count as harassment by a creditor?

Not all actions that a creditor takes can be called harassment. Creditors are allowed to take reasonable steps to get back the money they owe them. These include:

  1. Sending reminder letters, texts, or emails.
  2. Telephoning you to ask for payment (not during working hours and not on your business phone).
  3. Call at your home, as long as this is at a reasonable time of the day.
  4. Taking court action.

Who is harassing you

If you’re being harassed by a creditor it’s important to know who is chasing you for payment.

You may be surprised that the people in your case may not be the people you originally owed money to. This is because your original creditor may have sold the debt to someone else to collect. If your original creditor does this, they cannot come after you for money, instead, you will have someone else in their place. If your creditor decides to pass the debt on, they must tell you in writing before they do it.

Your debt may be collected by:

  1. Your original creditor
  2. A debt collection agency acting on behalf of your creditor
  3. A third party who has bought the debt from your creditor
  4. Bailiffs in England and Wales or sheriff officers in Scotland.

What can you do about harassment by a creditor?

You first need to find out who is actually collecting the debt. You then need to take the following steps:

  1. collect evidence of the harassment
  2. complain to the creditor
  3. complain to a professional body.

Collecting evidence

Things to consider before making a complaint, gather as much evidence as you can to support your claim.

Depending on the seriousness of the situation this could include (although not all compulsory) It makes sense to gather as much evidence as possible to build your case:

  1. Documenting the number of visits or calls with dates and times. Write down what was said to you each time and who you spoke to.
  2. Has the original correspondence been printed to include letters, documents, emails, and texts you have received?
  3. Witness statements from neighbors or other people who live with you.
  4. Evidence of your circumstances.
  5. Any medical evidence if you suffering from mental health issues.

Further help and information

Trade and professional associations

Your creditor may belong to one of the following trade or professional associations which have a code of practice that its members must follow. You can find a list of members on the organizations’ websites:

The Finance and Leasing Association
Imperial House
15 -19 Kingsway
London
WC2B 6UN

Tel: 020 7836 6511
Email: info@fla.org.uk
Website: www.fla.org.uk

Credit Services Association
Wingrove House
2nd Floor East
Ponteland Road
Newcastle upon Tyne
NE5 3AJ

Tel: 0191 286 5656
Email: info@csa-uk.com or complaints@csa-org.com
Website: www.csa-uk.com

Consumer Credit Trade Association (CCTA)
Suite 4 The Wave
1 View Croft Road
Shipley
West Yorkshire
BD17 7DU

Tel: 01274 714959
Email: info@ccta.co.uk
Website: www.ccta.co.uk

Financial Conduct Authority (FCA)

12 Endeavour Square
London
E20 1JN

Consumer helpline: 0800 111 6768 (freephone), 0300 500 8082
Email: consumer.queries@fca.org.uk
Website: www.fca.org.uk

Other useful information

Additional feedback

We also have a useful links page of resources such as Charities and Other Organizations.

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