Jeff(posted 7444 days ago)It's impossible to comment re the "worse penalties" when we don't know what they are chasing your brother for, however it is not appropriate for them to harass you by telephone and you could report them to the Office of Fair Trading possibly as they have set out a code of practice for these companies. alternatively you could simply bar them from phoning you by using BT's "Choose to Refuse" which I believe is free for the first month. Just phone BT and they will tell you about it. I think you have to be a BT customer though.
If your brother has debt problems he has to address them and Citizens advice will help him with this for free. If your brother has a shortfall after his home being repossessed he can contact this site for more info.
Sorry I can't be much more help!
Moira