Dealing with Creditors

  • The relationship you develop and the way you communicate with your creditors can have a positive effect on how much time they give you to clear your debt and also how much pressure they choose to apply through the courts. There are a number of different situations where it will be necessary for you to deal with your creditors, and knowing what your rights are can give you a significant advantage when doing so.

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  • Court Action

    Creditors may take legal action against you in the event that you fail to make repayments for your debt. Expert advice can be very beneficial in this situation to make sure that you receive a fair ruling in the courts.

  • Debt Collection Agencies

    Debt Collection Agencies can be very determined and apply a lot of pressure in order to ensure that you repay your debt as quickly as possible. It’s important to know your rights and what actions debt collectors are legally able to take.

  • Default Notices

    Once your account with a creditor falls into arrears they will send you a default notice. You should be aware that this does not necessarily mean that lenders will take legal action against you, but also be aware of the actions which creditors can legally take against you.

  • Home Visits

    Debt collectors may come to your home in order to pressure you into repaying your debt more quickly. This is uncommon unless a court order has already been sent out to you and you should be aware of what legal actions debt collectors can legally take when visiting you at your home.

  • Interest and Late Charges

    In the event that you are unable to meet your repayment schedule that you have arranged with your creditor you may face charges and interest payments. Although this is legal, it is important to ensure that the level of charges is in line with your loan agreement.

  • Solicitors Letters

    Your creditors may use the services of a solicitor in order to retrieve the remaining balance of your unpaid debt. A solicitor may threaten to take different actions against you depending on the situation and it is important to know how to deal with each separate legal action.

  • Telephone Calls

    Creditors may choose to contact you by phone. It is important to know your rights as an individual and to know when your creditor is pushing the boundaries of what they are legally allowed to do in order to retrieve the balance owed to them.

  • Your Rights

    It is beneficial to know your rights as a consumer and what lengths creditors are allowed to go to in order to encourage you to repay your debt. Don’t allow your creditors to bully or coerce you in any way.

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