Just because you are in debt, it doesn’t mean you can be treated unfairly.
In recent years, many of us have been put under increasing financial pressure and credit commitments have become in some circumstances unmanageable.
It is not unusual for a provider of credit to adopt heavy-handed tactics to try and put their debt to the top of your priority list.
It has also been the case that some threaten legal action that isn’t actually possible and/or ignore your legal rights under provisions such as the Consumer Credit Act.
They sometimes rely on a client’s inexperience of the law in the hope that they will simply accept that they have to comply no matter what the impact is on others and sometimes more important matters.
A provider of credit has to comply with certain legal criteria and processes if they are to take recovery action against you, especially if the debt has been reassigned.
The important thing is that you prioritise your debt commitments in an order that is best for you.
If a provider of credit is taking legal action or threatening to take legal action we may well be able to help, either by defending you and possibly halting the action or helping you to prioritise and not be bullied.