Borrower Rights

Late-night calls, threats, contact with your family, public shaming. Almost every harassment tactic a recovery agent uses is illegal, and the bank, not just the agent, is on the hook. Here is what you can actually do.

Late-night calls, threats, public shaming, contact with family — almost every harassment tactic a recovery agent uses is a rule-break and often a criminal offence. The borrower has more rights than the agent has powers. Here's exactly what's allowed, what isn't, and how to push back.