The Administration of Justice Act 1970 makes it an unlawful for creditors to harass consumers in debt. It is imperative to be aware if a creditor is treating you fairly as regards to your debt. Everyone needs to be aware of the Section 40 of the Administration of Justice Act.

The following are   some of the criminal offences   an individual can commit if they are attempting to demand a person compensate money on a debt

• They are calling the person too often or threaten to disclose the debt to the public. If they cause any other family members any agony over the debt
• make threats about criminal action that is not true
• Masquerade as someone else  with the authority to collect the debt
• alleges to have documentation that is false

A person just attempting to collect a debt in a rational method is innocent of harassment. A debt collector is someone who is collecting a debt on behalf of someone else that is their only mandate. Debt collectors don’t have the same authority as bailiffs. They don’t have the same right to collect on behalf of a court order as a bailiff does. Debt collectors do not have to authority to confiscate property from your house. If they claim that they do, place a call to the local trading standards office.

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