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11. What can I do if I think my creditor or a sheriff officer has behaved incorrectly?
Your creditors and sheriff officers acting on the creditor's instructions must act within the law when trying to recover the money you owe.
There are laws governing situations where actions have been carried out without proper authority or where properly authorised action has been carried out in the wrong way.
If you believe that a sheriff officer has behaved wrongfully you can submit a complaint to the Advisory Council for Messengers-at-Arms and Sheriff Officers.
A money adviser or solicitor may be able to help you if you wish to complain.
You can also speak to Trading Standards Departments or the Office of Fair Trading.
Many creditors are aware of the Money Advice Liaison Group Mental Health Guidelines. Anyone with mental health issues who owes money should speak to a money adviser.
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