Many individuals in debt are often subject to unnecessary harassment by lenders so it is important that you know your rights and how to deal with over zealous debt collection agencies.

Below we have three very good links which will help you understand your consumer rights;

Office of Fair Trading (OFT) Debt Collection Guidelines Revised 19 Oct 2011

Credit Services Association (CSA) Debt Collection Guidelines

The Credit Services Association (CSA) is the only National Association in the UK for companies active in relation to unpaid credit accounts; debt recovery agencies, tracing and allied professional services and has a history dating back to 1902. They also have to work under the Office of Fair Trading Debt Recovery Guidelines. Check Credit Services Associations (CSA) List of Members

Debtwizard guide to dealing with harassment

We explain what is harassment, what you can do if you feel you are being harassed, what legislation is out there to help you and we also offer two template letters to send to the 'harassing' debt collection agency/lender.

Harassment Letter 1 - This letter is designed to send to your lender or Debt Collecting Agency (DCA) who are pursuing you for a debt you do not owe or is in dispute.

Harassment Letter 2 - This letter is designed to send to your lender or Debt Collection Agency (DCA) to stop harassment, in what ever form.

More can be found at Debtwizard guide to dealing with harassment