If you’re being contacted repeatedly by debt collectors, it can feel overwhelming and stressful. However, it’s important to know that debt collectors must follow strict rules – and you have clear rights.
In this guide, we’ll explain what counts as harassment, what debt collectors are allowed to do, and what you can do to protect yourself.
Disclaimer: This article is for general information only and does not constitute legal or financial advice. Always seek professional advice if you are unsure about your situation.
What is debt collector harassment?
Debt collector harassment occurs when a creditor or collection agency behaves in a way that is unfair, aggressive, or puts undue pressure on you.
This can include repeated or inappropriate contact, misleading information, or behaviour designed to intimidate you.
What are debt collectors allowed to do?
Debt collectors are allowed to:
- contact you to request payment
- send letters, emails, or call you
- discuss repayment options
- take further action if the debt remains unpaid
However, all communication must be fair, reasonable, and not misleading.
What counts as harassment?
Debt collectors may be acting unfairly if they:
- contact you excessively or at unreasonable times
- continue contacting you after you’ve asked them to stop
- use threatening or aggressive language
- mislead you about legal action
- pressure you to pay without giving you time to respond
- discuss your debt with other people without permission
If you experience any of the above, you may have grounds to challenge their behaviour.
How often can debt collectors contact you?
There is no exact number of times a debt collector can contact you, but the contact must not be excessive or oppressive.
Repeated calls, messages, or letters in a short period may be considered harassment.
What should you do if you feel harassed?
Step 1: Keep a record
Write down dates, times, and details of all contact. Keep copies of letters, emails, and messages.
Step 2: Ask them to limit contact
You can request that a debt collector only contacts you in writing or at reasonable times.
What to say if you are feeling harassed:
“Please limit all future contact to written communication only. I do not consent to repeated phone calls.”
You can say this in person, on the phone, or by email – whichever feels most comfortable for you.
Step 3: Do not feel pressured to pay immediately
You have the right to understand the debt before making any payments.
If you’re unsure whether the debt is valid, see our guide on how to request proof of a debt.
Step 4: Make a formal complaint
If the behaviour continues, you can complain to the company directly.
If the issue is not resolved, you may escalate your complaint to the appropriate ombudsman.
Step 5: Seek independent advice
Free organisations can help you understand your rights and next steps:
- Citizens Advice – Provide independent advice on your legal rights and how to challenge unfair behaviour.
- National Debtline – Offer clear guidance and template letters for dealing with debt collectors.
These organisations offer free support and are not affiliated with this website.
Who can you complain to about debt collector harassment?
If a debt collector continues to behave unfairly after you’ve complained to them directly, you can escalate the issue.
In the UK, the main organisations are:
- Financial Ombudsman Service (FOS) – Handles complaints about most debt collection agencies and lenders. You can contact them if your complaint hasn’t been resolved after 8 weeks.
- Financial Conduct Authority (FCA) – Regulates debt collectors and sets the rules they must follow. While they don’t handle individual complaints, you can report concerning behaviour.
- Information Commissioner’s Office (ICO) – Deals with issues related to misuse of personal data or privacy breaches.
- Trading Standards – Can investigate unfair or aggressive business practices, usually via Citizens Advice.
Escalating a complaint can help ensure that debt collectors follow the rules and treat you fairly.
Can debt collectors take legal action?
Debt collectors may take legal action if a debt remains unpaid, but they must follow proper procedures.
This may include sending a Letter Before Claim or applying for a County Court Judgment (CCJ).
Can you ignore debt collectors?
Ignoring debt collectors is not usually the best approach, as the situation may escalate.
You can learn more about this in our guide on whether you can ignore a debt collection letter.
Key takeaway
Debt collectors have the right to contact you, but they must treat you fairly. If their behaviour becomes excessive or intimidating, you have the right to challenge it and seek support.
Need further support?
If you’re feeling overwhelmed or unsure what to do next, you’re not alone – there are free, trusted organisations that can offer confidential advice and support.
The following services can help:
- StepChange Debt Charity – Free, impartial debt advice and personalised repayment plans
- Citizens Advice – Independent advice on debt, legal rights, and dealing with creditors
- National Debtline – Free guidance and template letters to help you manage or challenge debts
- Samaritans – Emotional support if you’re feeling stressed or anxious about your situation
It’s often a good idea to seek advice before making any decisions, especially if you’re unsure about your rights or the validity of a debt.
These organisations offer free support and are not affiliated with this website.
FAQ
Can debt collectors call you every day?
Frequent contact may be considered harassment if it becomes excessive or unreasonable.
Can debt collectors contact your family?
They should not discuss your debt with others without your permission.
What should I do if I feel threatened?
Keep records of all communication and consider making a formal complaint or seeking advice.