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Liaising with Creditors

It is important to ensure your online accounts and devices are safe. The following guides can help you secure your devices and accounts Secure your tech from abuse – guides | Refuge Tech Safety  

If you haven’t done so already, it’s advisable to:

  • Check that your email account is secure, and that you are the only person that can access it.
  • Consider what accounts are connected to your phone, like a Google account or Apple ID.
  • If someone helped you set these accounts up, or if you think anyone else might be able to guess the passwords to these accounts, it’s worth updating passwords and setting up 2-factor authentication.
  • Check your credit report to get a full understanding of the financial accounts in your name.

Some actions you take to increase your security or privacy might alert an abuser, and they might escalate their abusive behaviour. Before looking into what’s happening, we can help you to create a safety plan tailored to your situation:

Use a safe device to contact Refuge’s 24hr National Domestic Abuse Helpline on 0808 2000 247. This could be a phone from a trusted friend, family member, neighbour, or a computer in a library, school, or workplace. Use a safe device to contact Refuge’s 24hr National Domestic Abuse Helpline via live chat Monday-Friday 3-10pm via www.nationaldahelpline.org.uk.

Contact with creditors

It very important that you only disclose information that you are comfortable discussing with a creditor. We know it can be really difficult to speak about economic abuse and what you have been through. Some people may find it easier to write down what they want the creditor to know and send it to them by email or letter – rather than talking it all through over the phone. It’s important that you chose the method that is right for you. 

You may have creditors chasing you for payments for a credit card, overdraft, loan or catalogue debt that is in your name. If your partner/ex-partner applied for this product without your consent or knowledge, or you were coerced and pressured to apply for it, then inform the creditor of your situation as soon as you can. 

You may want to contact the creditor to start with, to explain that you are going through a great deal right now, and see if the account can be put on hold. You might want to ask about whether can put ‘breathing space’ in place, so that you can focus on your safety and your immediate needs.
There is more information about Breathing Space here.

Key information to include:
Joint Banking Accounts
Housing Benefit/Council Tax
Online Shopping Accounts
Other information

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