CONC 2.6 Conduct of business: debt counselling, debt adjusting and providing credit information services

This section applies to a firm with respect to:

1. (1)

   debt counselling; or

2. (2)

   debt adjusting; or

3. (3)

   providing credit information services.

A firm must bring to the attention of a customer how the firm uses the customer's personal data it collects in a manner appropriate to the means of communication used.

A firm must not:

1. (1)

   by any means, including during a visit to a customer, coerce or use pressure to sell its services;

   [Note: paragraph 3.12o of DMG]

2. (2)

   take advantage of a customer's lack of knowledge or understanding of the law relating to consumer credit or to insolvency or to otherwise dealing with debts in order to sell its services;

   [Note: paragraph 3.12o of DMG]

3. (3)

   in relation to a visit to a customer:

   1. (a)

      make an appointment to visit or visit at a time which is unreasonable or inconvenient from the customer's point of view, unless the consumer expressly consents;

      [Note: paragraph 3.15a of DMG]

   2. (b)

      refuse to end the visit, refuse to leave the customer's home or ignore the customer's request not to return there;

      [Note: paragraph 3.15b of DMG]

   3. (c)

      make a visit which is unreasonably or unnecessarily long;

      [Note: paragraph 3.15c of DMG]

4. (4)

   conduct a telephone call with a customer who has called on a premium rate number for an unreasonable period.

   [Note: paragraph 3.18x of DMG]