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FCA Debt Collection Guidelines

Tuesday, 1st April 2014


Get to know your consumer rights!

Many individuals in debt are often subject to unnecessary harassment by creditors, lenders and debt collectors so it is important that you know your rights and how to deal with overzealous debt collection agencies.

Below we have links which will help you understand your consumer rights; the FCA link immediately below will take you to Conc 7, start there but also see section 'CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors'.

Financial Conduct Authority (FCA) Pursuing and recovering debt repayments

These are the rules UK debt collectors must adhere to.


The Credit Services Association (CSA) - Debt Collection Trade Body

The Credit Services Association (CSA) is the only National Association in the UK for companies active in relation to unpaid credit accounts; debt recovery agencies, tracing and allied professional services and has a history dating back to 1902. They also have to work under the Financial Conduct Authority (FCA) Debt Collection Guidelines.

Credit Services Association (CSA) Code of Practice

Check Credit Services Association (CSA) member search




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