Who Can A Debt Collection Agency Contact?
A debt collection agency has the right to contact you on a Sunday if it is between the hours of 1 pm and 5 pm. They can get you on other days between 7 am and 9 pm. They can only contact your friend or a neighbour if they have said that they will pay your debt or if you have told the agency with written permission that they can do so.
They can contact your employer, but they can only do this if they need to confirm your employment status or if they have acted as a guarantor for your debt. If the call is about a court order or if they are calling regarding an automatic deduction from the salary you have, then this is also acceptable. Your debt collection agency cannot pressure you, harass you, charge you a fee, contact you on a statutory holiday, or contact you more than three times in 7 days.