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So is the debt over 3 years old?
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Hello sorry about the delay in replying, Virgin internet had a meltdown in my area and they have only just fixed the issues.
Going back to your query, whilst it is possible to try and argue that you are being harassed, the courts will not always find that to be the case, even if the circumstances are similar to the case you mentioned. Debt collectors are generally allowed to pursue you for debts, even if done aggressively. There is no defined limit as to what amounts to simply an aggressive approach, and what becomes unreasonable and equal to harassment. In the end, it is for the courts to decide that and the risk there is that one court on one day could come to a different decision to another on a different day. So there is nothing stopping you from taking this further and trying to argue that it is harassment. However, be mindful that that is not always easy to prove and a court may decide that this is just a matter of aggressive debt collection within reasonable means.
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Thank you. The case of Ferguson specifically made a comment that such matters would ideally be dealt with through Trading Standards in the criminal courts. You can make a complaint to Trading Standards under the Consumer Protection from Unfair Trading Regulations 2008. It is also possible to pursue a personal claim for harassment if necessary.
Although there is no definition of what specifically amounts to harassment, it would usually include alarming a person or causing them distress and must have occurred on at least two occasions.
This matter would be dealt with in the civil courts under the Protection from Harassment Act so you need to issue a claim in the local County Court.
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