All FAQs

People contact us with a range of complaints about debt collecting - whether they feel the debt is unfair, or they tell us they're not the person who owes the debt. We can usually help with these kinds of problems if the debt is linked to a financial product or service - like a mortgage or payday loan - that's covered by the Financial Conduct Authority.

When we look into complaints about debt collecting, we consider things like how the debt has been calculated - and whether the business involved have treated their customer fairly.

If we decide something's gone wrong, we'll consider whether someone's lost out as a result - and what the business needs to do to put things right. This could mean correcting someone's credit record, agreeing a repayment plan or paying compensation.

There's more information about our approach to debt collecting on our website - and you can find case studies in our regular newsletter, Ombudsman News. And if you've got any other questions, get in touch.