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Legal advice and help from qualified lawyers is available online from Legal-Zone. In addition to free information on most usual area of law it contains an advice section where qualified and experienced lawyers will advise [url=http://www.mxitcms.com/tiffany/]tiffany[/url] you on legal problems.You can also download very reasonably priced legal documents, e-books, and FactSheets.
In has long been an offence for a creditor to unduly pressurise someone who owes them money. It is a criminal act to harass a debtor or cause them distress and anxiety. This could be by sending threatening letters under the Malicious Communications Act 1988 or threats made under the Administration of Justice Act 1970. Furthermore the Consumer Protection from [url=http://www.1855sacramento.com/moncler.php]moncler sito ufficiale[/url] Unfair Trading Regulations 2008 prohibits aggressive practices by creditors intended to [url=http://www.mquin.com/saclancel.php]lancel[/url] pressurise customers into paying money.
Examples of illegal behaviour have been held to include:
� contacting a debtor continually;
� contacting the debtor late at night or at an unsociable time;
� pressurising a debtor to sell property to pay the debt;
� demanding money in such a way as to intimidate or embarrass the debtor;
� making false claims such as that a document is an official document when it is not, being a court official or bailiff; that court proceedings have been issued or that non-payment is a criminal offence and the debtor could be sent to prison
� threatening to tell neighbours, friends or relatives about the debt;
� ignoring disputes about the debt;
� making threatening gestures;
� requiring the debtor to pay all of the debt or instalments which cannot be afforded;
� suggesting that action will be taken which is not possible.
Although any of the above activities may well constitute a criminal offence it must be remembered that simply asking for payment and anything reasonable in this context is not harassment and [url=http://www.ilyav.com/uggpascher.php]boots ugg pas cher[/url] therefore not illegal. If in any doubt and you feel threatened the Office of Fair Trading publish guidelines and can be contacted for assistance.
In extreme cases of harassment the courts have always been willing to issue injunctions to restrain a creditor [url=http://www.gotprintsigns.com/abercrombiepascher/‎]abercrombie pas cher[/url] applying undue pressure. Recently however the courts have shown themselves [url=http://www.sandvikfw.net/shopuk.php]hollister sale[/url] prepared to go even further in enforcing the spirit of the law to protect the harassment of debtors. This was demonstrated in a case concerning a Mrs. Ferguson and British Gas.
Mrs. Ferguson was unhappy with the service provided by British Gas and took her business elsewhere. This resulted in a multitude of letters from [url=http://www.gotprintsigns.com/abercrombiepascher/‎]abercrombie soldes[/url] the supplier and threats to disconnect the supply. These were all complemented by further threats of court proceedings and referrals to credit rating agencies. Telephone calls explaining that no money was owed were all ignored as were letters written explaining the position.
Quite understandably Mrs Ferguson was most distressed by all of this and was reduced to a state of anxiety. She issued court proceedings in which she claimed damages for [url=http://www.rtnagel.com/louboutin.php]louboutin pas cher[/url] the distress and upset she had been caused. British Gas appealed on the basis that this claim showed no reasonable cause of action.
The Court of Appeal was not impressed by this claim and were highly critical of British Gas and their conduct. They held that behaviour such as here was grave and quite capable of being harassment. It was oppressive and unacceptable and constituted harassment. The argument [url=http://www.mquin.com/saclancel.php]lancel pas cher[/url] by British Gas that Mrs Ferguson need not [url=http://www.1855sacramento.com/peuterey.php]peuterey outlet[/url] have taken the demand letters seriously as they were computer-generated was rejected out of hand.
This case and Mrs Ferguson have opened the door for those being threatened by debt collectors or service providers such as British Gas to claim compensation through the courts where [url=http://www.mnfruit.com/airjordan.php]jordan pas cher[/url] distress is caused [url=http://www.1855sacramento.com/woolrich.php]woolrich outlet[/url] by demands for payment of debts not owed. Usually the claim can be brought under the Small Claims procedure.

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