Quick answer
Your first step is to make sure the debt is actually yours and is still enforceable, rather than just paying under pressure. You are entitled to ask the agency to prove the debt, including evidence that they have the right to collect it, for example a deed of assignment if they bought it from the original lender.
Guidance for United Kingdom. General information, not legal advice.
A debt collection agency keeps contacting me about an old debt I barely remember. They are quite aggressive. What are my rights and what should I do?
Your first step is to make sure the debt is actually yours and is still enforceable, rather than just paying under pressure. You are entitled to ask the agency to prove the debt, including evidence that they have the right to collect it, for example a deed of assignment if they bought it from the original lender. It is also worth knowing about limitation: for most ordinary debts in England and Wales, if it has been more than six years since you last made a payment or acknowledged the debt in writing, and no court claim was issued in that time, the debt may be statute-barred, meaning it can no longer be enforced through the courts. Debt collectors must also treat you fairly. Aggressive or misleading behaviour, or contacting you in a way that amounts to harassment, is not allowed and can be reported.
Practically, keep everything in writing where you can, ask for proof of the debt before agreeing to anything, and do not be pressured into a payment that confirms a debt you are unsure about, especially if it might be statute-barred, because acknowledging it can restart the clock. Importantly, never ignore any court claim form, as that is different from a chasing letter and does need a prompt response. Free, confidential help is available from organisations such as Citizens Advice, StepChange and National Debtline, and they can help you check the debt and your options. This is general information rather than advice on your specific debt.
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Answers here are general legal information, not legal advice, and reading or posting does not create a solicitor-client relationship. For advice on your situation, book a consultation with a verified lawyer.
