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One of our readers sent us that question:

Hi, just came across that site, am from the UK and its really informative, unfortunately alot of the laws you state are, obviously, only applicable to the USA - therefore, do you have any letters or know of UK laws that state the same thing - about refusing to have any communication with credit card issuers? Your help would be great - thanks swinny

Thanks for your question Swinny. I’ve done some digging for you, and here’s what I uncovered:

The Administration of Justice Act 1970 gives you the following rights:

• Creditors cannot alarm, distress or humiliate you or your family members.
• They cannot falsely represent themselves or the debt you owe.

Additionally, the Office of Fair Trading enforces several guidelines that collection officers must follow:

• They cannot contact you too frequently, or at unreasonable times.
• They cannot disregard a dispute about whether or not you owe the money.
• They cannot pretend to be a legal or government body.
• They cannot discuss your debt with anyone but you unless you authorize them to.

I’m going to give you a quick series of hyperlinks that will give you all the data you

need to know about how protect yourself from harassing creditors in the UK:

The National Debtline Creditor Harassment Fact Sheet for England and Wales - that site outlines many of your rights where collections agencies are concerned. It even tells you which agencies to complain to when you are being harassed by creditors.

The Office of Fair Trading Debt Collection Guidelines - that is a PDF that clearly states what collections officers are not allowed to do.

An excellent (but long) You Tube audio on how to handle collection agencies in the UK.

And finally, go back to the National Debtline for a full list of sample letters to send to your creditors. that includes everything from asking them to write off your debt to asking them to freeze the interest rate on your detail.

Unfortunately, I was not able to find any knowledge that supported a “cease and desist” practice (stop all communication) like we have here in the US. However, the hyperlinks above should give you the ability you need to deal with debt collectors and manufacture the harassing behavior stop according to your rights under UK law.

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Orginal post by Jenna