How to stop debt collector phone calls

posted by in Living with debt

How to deal with creditor phone calls

How to deal with creditor phone calls

If you’re on an informal debt solution such as a debt management plan (DMP) or you’re making token payments, your creditors can continue to contact you.

It’s likely that they’ll try to get more money from you, hoping that you’ll buckle under the pressure despite what you can afford to pay. Remember that your priority bills and living expenses come before your creditors, so create a budget to work out how much you can pay.

It’s important that you stick to the arrangement that you’ve already made, especially if you can’t afford to pay any more.

If you’re being harassed by debt collector phone calls, follow our simple 5-step process to help keep them at bay. And if you have to write to them, you can use our handy template letter to help you.

Don’t forget that if they need to contact you they will put it in writing, so it’s important to keep your address details up to date.

Knowing what your creditors can and can’t do can help to remove a lot of worry and uncertainty but if you’d like more detailed advice on your options use our online debt help tool Debt Remedy.

Pavan Gata-Aura is a qualified debt advisor with 6 years of experience. She enjoys spending time with her two children, fundraising for charities, has spent time volunteering in Africa and takes part in organised races.

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Tags Living with debt
  • albert joshua truswell

    Thank you for the information much appreciated knowing you are available for help is very comforting Best Regards Albert

  • Ray

    Hi , I owe 365 to npower I pay £50pm to moorcroft for this debt I made 2 mistakes paid late over Christmas and underpaid by £30 last month which I have now caught up with is there any way I can stop the doorstep collector coming round? I have tried to speak with them and they are really unhelpful. I’am still continuing to pay the outstanding amount but the collector keeps calling- what can I do? Are there any letters I can send to stop this?

    • Hi there Ray,

      The collection agency are within their rights to instruct an agent to visit you but I want to reassure you that this isn’t a bailiff. you don’t have to answer the door to them and they cannot force entry into your home to seize goods.

      it might be a good idea to send a letter to them and enclose a statement of affairs detailing what you have coming in and going out every month. Hopefully by seeing this, the collection agency should have a better understanding of your situation and come to an arrangement everyone is happy with. if not, you can always have a look at your budget with us and get some advice on all the debts your dealing with. We find that creditors are more likely to cooperate if they know you’ve looked into getting free debt advice.

      You can call our Helpline on 0800 138 1111 or use our online budget and advice service Debt Remedy

      Hope this helps,

      Best regards,


  • moneyaware

    Hi there Karen, thanks for getting in touch.

    From what you’ve told us, you may possibly be dealing with a debt that is statute barred and falls under the limitation act.

    A creditor has a period of 6 years to establish a payment arrangement with you. After this time has lapsed, the creditor cannot pursue legal action via county court against you. With that said, if in this 6 years the debt has been logged as a county court judgment, then the limitation act would not apply.

    You can find out more about the limitation act and statute barred debt here:

    Hope this helps

    Best regards


  • Jesse


    I’m being contacted by a court appointed debt collectors / bailiffs for a fine I was issued with early last year for loosing my tram ticket , (when this happend I wasn’t told I was being issued with a fine and didn’t give any of my address details)

    All correspondence sent regarding the fine was sent to my old address (which I haven’t lived at for 3 years) my old landlord has been throwing all mail addressed to me away, he only finally got in touch with me when the bailiffs turned up the flat I used to rent from him, I phoned the bailiffs straight away and explained the situation, but they are being very rude and unhelpful and demanded I pay 1250 by the end of the working day, and would not accept my offer to set up a payment plan, I tried calling CAB, but their information wasn’t very clear or helpful, they just told me to write to the courts and explain, but gave no further info,

    What should I do. I obviously don’t want to end up in courts/with a record or markagainst my name, but I don’t feel I should have to hand over such a massive amount of money when the only knowledge I have of the fine is what a stranger has told me over the phone

    • moneyaware

      Hi Jesse,

      I think it would be a good idea to talk to the organisation that gave you the fine. They should be able to give you a breakdown of the charges that they’ve added to the debt and you can then challenge anything you think is unreasonable.

      If nothing else this will help you to establish that this is a legitimate debt and not a scam (though if you remember receiving the fine then it’s probably not a scam).

      If you’d like further advice I’d suggest giving our Helpline a call, here’s the details:

      Kind regards


  • Amanda


    My mother is 72 years old, lives alone and is currently receiving calls from a debt company in relation to a debtor who is not known to us. The debtor has clearly given a random telephone number in our area, which happens to be hers. We have called the company in question twice to advise them that the number they have on file is incorrect. They have confirmed that the name and address they hold for their debtor is not my mother’s and that her number would be removed from the client’s record.

    However, she is continuing to get increasingly aggressive messages from this company. We have called again and advised them that if they continue to call, we will invoice them for the time taken to speak to them, given that they have been advised of the situation more than once. They are continuing to call and my mother is now terrified to answer the telephone. I am currently drafting a letter and an invoice to them. I would be grateful for your advice!

    • moneyaware

      Hi Amanda,

      Thanks for your message and I’m sorry to hear about your mother’s situation. I can understand it must be very distressing both for you and her.

      If you’ve already been in touch with the company to let them
      know the debt does not belong to your mother and they have agreed it is not in her name, they should no longer contact your mother to pursue the debt. I’d suggest making a formal complaint to them in writing – you can usually find out how to do this by looking on the creditor’s website.

      If you’re not happy with their response after making a
      complaint, I’d suggest you lodge a complaint with the Financial Ombudsman Service (FOS) who can look into the issue for you. You can find out how to make a complaint through the FOS here:

      As you also have concerns about how the company in question got hold of your mother’s details, you could also report this to the Information Commissioner’s Office (ICO). You can find out how to do that here:

      You mention you’re currently drafting a letter and invoice to
      the creditor. Although you can take your own measures to deal with it, I’d suggest following the formal channels to get the issue resolved.

      I hope this helps.

      Kind regards,


      • Amanda

        Thanks Laura.

        We did ask the FOS if this fell under their auspices, but they’ve advised that as mum is not a client of the compan chasing her, it’s not something they can deal with?

        We are going through the formal process but this is a particularly unscrupulous organisation and I’m not optimistic.

        Do we have any recourse to the person whose loan it is, given that he has given mums number as his? Is this fraudulent? The company has given us his name (!! Unscrupulous!) and he is a firefighter in our town, apparently.

        Thanks again for your help.


      • moneyaware

        Hi Amanda,

        Thanks for your message and I’m sorry for the delay in getting back to you. As our expertise is in helping people to deal with their debt, disputing this debt isn’t something I can offer you specific advice on.

        You say that you know who owes the debt and are considering contacting him directly, however I’d still suggest you go through formal channels to receive advice on how to deal with the situation. Giving a false phone number isn’t likely to be seen as fraudulent on its own, and if the company is as unscrupulous as you believe then the information they’ve given you might not be correct.

        As you’ve already spoken to the FOS then I’d also suggest speaking to the Information Commissioner’s Office (ICO) as I mentioned before. It might also be worth speaking to your local Citizens Advice Bureau for more specific advice on this issue. You can find your
        nearest CAB here:

        I hope this helps.

        Kind regards,