Creditors still contacting you - debt relief orders

Summary

While your creditors for debts listed in your DRO can't usually take action against you during the DRO period, there are some situations where they might continue contacting you. These include: * to give you information about your account * to follow the rules of the Consumer Credit Act, which may require them to send you certain notices * where you've come to a payment arrangement, such as a controlled goods agreement, with a bailiff * to chase payments for debts not included in the DRO * where your landlord wants to come to a payment arrangement with you, or is taking action to re-possess your home because you're behind on your rent. All the creditors that are listed in your DRO are legally bound by it. This means they're not allowed to chase you for debts covered by the DRO, and you're not allowed to make payments towards the debts, except for rent arrears and debts for which you have a controlled goods agreement. They're also not supposed to contact you directly about the DRO or the debts included in it. If you're still being contacted by creditors who are asking you to pay debts in your DRO, send them a copy of the DRO. If you receive a phone call, politely remind them that.

Key information

• to give you information about your account
• to follow the rules of the Consumer Credit Act, which may require them to send you certain notices
• where you've come to a payment arrangement, such as a controlled goods agreement, with a bailiff
• to chase payments for debts not included in the DRO
• where your landlord wants to come to a payment arrangement with you, or is taking action to re-possess your home because you're behind on your rent.
• Debts that can be included in a DRO
• Debt relief orders explained
• While your creditors for debts listed in your DRO can't usually take action against you during the DRO period, there are some situations where they might continue contacting you. These include:
• to follow the rules of the Consumer Credit Act, which may require them to send you certain notices
• where you've come to a payment arrangement, such as a controlled goods agreement, with a bailiff
• where your landlord wants to come to a payment arrangement with you, or is taking action to re-possess your home because you're behind on your rent.
• All the creditors that are listed in your DRO are legally bound by it. This means they're not allowed to chase you for debts covered by the DRO, and you're not allowed to make payments towards the debts, except for rent arrears and debts for which you have a controlled goods agreement. They're also not supposed to contact you directly about the DRO or the debts included in it.

Practical guidance

• Source: Creditors still contacting you - debt relief orders

Related topics

More in this area

• Check if a financial service has followed the rules
• Check if you have to pay a debt
• Check the rules after you go bankrupt
• Check what an IVA is
• Cold called by a debt management plan provider