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Creditor Harassment Hotline

Creditor Harassment Hotline Service

0871 566 3 999

Stop Creditors Hassling You

Use this service is you are being hassled by creditors and you want it to stop. (service provided by VincentBond)

Steps:

  1. Ring the hotline and record your complaint about creditor harassment with a member of our staff..f.
  2. We will ring the creditor and inform them of your complaint. We will ask them to stop hassling you whilst we put together your debt plan. We will be as polite as possible to begin with but will record all conversations. If a client receives a significant volume of hassle from a creditor then we will become more assertive in our approach.
  3. You can log into your online account at any time to find out the status of your complaint.

You will even be able to listen to a recording of our complaints team complaining to your creditor!

Escalation Procedure

Phase 1

1st Complaint

We will register a complaint with your creditor stating:

  • We are not happy that they continue to contact our client
  • Our client is setting up a debt plan and should be commended rather than hassled for that.

Actions:

  1. Phone call made to creditor, recorded and saved onto your client login area.
  2. Fax sent to creditor asking them to cease contacting our client

Phase 2

2nd to 5th complaint

We will register a complaint with your creditor stating:

  • We are not happy that they continue to contact our client
  • Our client is setting up a debt plan and should be commended rather than hassled for that.

Actions:

  1. Phone call made to creditor, recorded and saved onto your client login area.
  2. Fax sent to creditor asking them to cease contacting our client

Phase 3

5th to 10th complaint

We will register a complaint with your creditor stating:

  • We are not happy that they continue to contact our client
  • Continued abuse of our clients time is causing unnecessary stress - this must stop immediately and an apology be made or we will go public.

Actions:

  1. Phone call made to creditor, recorded and saved onto your client login area.
  2. Fax sent to creditor asking them to cease contacting our client
  3. Name and Shame - the details of the creditor and their disgraceful treatment of our client will be placed online for public record. This will include transripts, dates and times of abusive calls and recordings of our complaints to them. We will also list faxes and any other notes.

Phase 4

10th complaint onwards

We will register a complaint with your creditor stating:

  • We are not happy that they continue to contact our client
  • Continued abuse of our clients time is causing unecessary stress - this must stop immediately and an apology be made or we will go public and also pursue legal action.

Actions

  1. Phone call made to creditor, recorded and saved onto your client login area.
  2. Fax sent to creditor asking them to cease contacting our client
  3. LEGAL ACTION - We will commence legal action against the creditor in question.
  4. PRESS RELEASE - We will issue a press release to all finance journalists together with any other information.

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* The question will be posted on our forum, we will email you the location

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Important Information

IVA.co.uk does not provide debt advice. You must always seek professional advice before taking any action to resolve your debts. If you use the IVA Calculator or call the IVA Helpline, we will pass on your details or connect you to one of our partners who will contact you and explain all the options available to you. With your permission they can connect you with authorised debt solution providers who can process an application for you

IVA.co.uk does not charge you any fees for use of our forum or the IVA Calculator, however we do get paid by our sponsors and the partners we work with. Our partners charge fees and those vary depending on the partner and the debt solution. Customers should refer to our partners' websites for more information regarding their services.

Before entering into any debt solution you should ensure that you have considered the implications. Failure to keep up with repayments can result in bankruptcy or legal action. Lenders are not obliged to accept less in settlement of a debt than they are entitled to or to freeze interest or charges. Not all solutions involve debt write off and some solutions may result in the total amount payable increasing, or the period over which it is to be repaid increasing. Debt solutions will affect your credit rating which records all financial activity for 6 years. Your assets and property could be at risk in some solutions. Conditions apply and each application will be subject to acceptance and eligibility.

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