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Why are lenders still contacting me?

Lenders contact their customers when they are owed money, so if you have missed a payment, lenders will often call or write to you to find out why the bill hasn’t been paid.

Dealing with debts alone

If you’re dealing with your debts alone, take a look at Dealing with lenders to find out how to control lender contact if it is becoming stressful.

Debt Management Plan customers

It is not uncommon for lenders to contact you from time to time. This is because their records will show that you are now repaying your debts at a lower rate than what was originally agreed.

If your Baines & Ernst Debt Management Plan is in the process of being set up, you can advise your lenders that we are now managing your debts and they will contact us instead.

If they do contact you after your Plan is set up, redirect them to us and we will handle their enquiry.

Individual Voluntary Arrangement customers

An Individual Voluntary Arrangement is a legally binding solution which offers you protection from lenders.

If a lender that is included in the IVA contacts you, you must tell your Insolvency Practitioner straight away and they will deal with the lender. Legally, they are no longer allowed to contact you about your outstanding debts.

This also applies to those customers who are using a legally binding solution to clear their debts including:

  • Debt Relief Orders
  • Bankruptcy
  • Protected Trust Deeds (Scotland)
  • Sequestration (Scotland)

Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

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Find the right solution

Answer a few simple questions and we'll help you find your solution.
  • Total unsecured debt: £500

  • This field is for validation purposes and should be left unchanged.

Debt advice you
can trust...

Debt Advice You Can Trust
We are committed to providing the highest standard of service to our customers and helping them find their way out of debt with the most appropriate debt solution.

Money Advice Service

You can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. Click here for more information.