It is a criminal offence for a creditor to needlessly upset you to get you to
repay. Harassment includes:
- threatening you with a criminal prosecution when you can't be prosecuted;
- pretending to be a court official;
- sending letters which look like court forms; and
- telling other people, such as neighbours and your employer, about your
debt to force you to pay.
If you are being harassed, keep a record of exactly what happened and when,
and report it to your local trading
standards department at the Council. A creditor could have their credit
licence taken away, if they are found guilty of harassing you.
If the creditor ends up taking you to court to get you to repay, you can tell
the court about the harassment then. This could reduce the court costs you
may have to pay. Some types of harassment may also break the Human Rights
Act.
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last updated
16/08/07
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