You need to be well aware that in this piece of legislation, there is an exemption for anything that is part of a legal process. So it is OK for the creditor to phone a few times, or write a few letters and then take the matter to court. It is NOT OK for the creditor to threaten (other than "I'll take you to court") or make continuous efforts over a period of time to try and force the debtor into paying by making it embarrassing for him - for example by phoning an employer.(posted 7887 days ago)It is extremely difficult to decide where that line is and when somebody has crossed it. There are clear and obvious breaches, such as a creditor threatening to knee-cap a debtor, but in the most part demands are made firstly by letter or phone and then by calling agents before court action - this latter method is not illegal.