Creditors are expected to follow the guidelines outlined by the Office of Fair Trading in order to be seen as fit to lend money. This includes fair practices associated with debt collection. If a creditor or debt collector is found to be practising unfair tactics in dealing with consumer debt, such as harassment, they risk losing their Consumer Credit Licence.

The Office of Fair Trading has produced guidance on what activities may be considered harassment and should therefore be avoided by creditors.

It is acceptable for debt collectors to visit debtor’s homes if the debtor has agreed or requested a visit, debts are disputed, or the debtor has avoided contact. However, the creditor must inform you of their intention to visit your house and give you time to seek advice or support before the visit. If a debt collector does come to your door and you request that they leave, they must do so.

It is considered unfair for a debt collector to visit a debtor’s place of work unless it is a business debt.