I’m sorry to hear that and it seems that they are definitely crossing a line. There are a lot of articles on the internet stating exactly what bailiffs can’t do. On the whole, debt collectors cannot visit your home if you have weak, disabled or people that are sick in the house and in your case they cannot visit if you have young children present. Unfortunately, debt collectors can visit between 6am and 9pm BUT they cannot be overly aggressive or make your circumstances known to anyone other than you so if the Moorcroft collectors are shouting loudly then this could be grounds for a complaint. Finally, if they are calling and sending letters so frequently it could be considered harassment then you are entitled to send them a letter stating your contact preferences which they have to stick to and if not you can complain. The link you asked about is a good start but there is loads of good information available for free online and like I said, if it all becomes too overwhelming, get in touch with a debt charity. I wish you all the best.

Hi Herm, I completely understand your position as debt collectors on the whole do try to intimidate you to pay and many people do just for that reason. The important thing to remember is to not panic, don’t let them stress you out to the point of paying an amount you can’t afford. The first thing to note is that Moorcroft are debt collectors not bailiffs. This means they have no special legal powers and are not court appointed so they are pretty limited in what they can do. What sort of thing are they doing that you think isn’t right? CAG has some good info, but I would recommend that you check out a debt charity guide as well so you’re sure that it’s definitely impartial advice.

Hey guys, I'm new on this forum but looking for a little advice. I'm currently trying to pay off a loan I took out last year and I'm finally back at my job with lockdown easing. Should I try to pay off the maximum I can each month of my loan or should I save up in case I'm out of a job again? Thanks for any help!

what happened? Could you share some more info so we know not to fall for that scam?