Reposessed 15-18 years ago

fermi

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

2 UNFAIR BUSINESS PRACTICES

Communication

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner.

2.2 Examples of unfair practices are as follows:

a. use of official looking documents intended or likely to mislead debtors as to their status, for example, documents made to resemble court claims.
b. leaving out or presenting information in such a way that it creates a false or misleading impression or exploits debtors' lack of knowledge
c. those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of the contact is
d. unnecessary and unhelpful use of legal and technical language, for example, use of Latin phrases
e. failing to provide debtors or creditors with information on status of debts, for example, not providing requested balance statements when reasonably requested
f. contacting debtors at unreasonable times
g. ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, for example, shift workers who ask not to be telephoned during certain times of the day
h. asking or instructing debtors to make contact on premium rate
telephone numbers