Consumer Debt Help

k) Ensure that collectors who use pseudonyms can be identified within the members organization.

l) Have due regard and deal sensitively with individuals where evidence has been given, or is apparent, that the individual is incapacitated by mental or physical disability.

m) When dealing with fee charging debt advisory services, follow the Office of Fair Trading Guidelines on debt management.

n) Offer maximum co-operation with the debtor's nominated or chosen Third Party. Where the Third Party is an accredited advisory service, and at first appointment and upon request, give a period of up to 30 days grace' before re-commencing collection activity.

o) Encourage debtors in financial difficulties to inform members of their difficulties and then respond sympathetically and positively on the
evidence provided.

p) Take into consideration before determining whether to enforce repayment, all information supplied in relation to the reason for nonpayment, which may include The Common Financial Statement, or the debtor's future ability to repay. If the debtor has disclosed multiple debt problems, inform them of the availability of accredited advisory services. Where available, provide in all relevant correspondence the name or designation of a specially trained member of staff who may be contacted regarding financial difficulties
.
q) Where a debt or the sum owed is disputed, as soon as is practicable, supply information to the debtor in support of the claim. Where no information has been supplied by the creditor, obtain the required support, or failing that cease collection action.

I found this file on the web back when I was having problems with collecting agencies. I do not know if this policy is legal or applyable in your country The previous text above is from this file . It really helped me to deal with them and stop them harassing me. I do hope it will help you too.