Document background
The Creditor Harassment Letter is a crucial legal document used in South Africa when debtors experience harassment from creditors or debt collectors that exceeds reasonable debt collection practices. This document becomes necessary when creditors engage in behaviors prohibited under South African law, such as threatening violence, using obscene language, making continuous calls, or contacting debtors at unreasonable hours. The letter serves as both a formal complaint and a legal warning, documented under the protections provided by the National Credit Act, Consumer Protection Act, and Protection from Harassment Act. It typically includes detailed documentation of harassment incidents, relevant account information, and demands for specific actions, while putting the creditor on notice about potential legal consequences. The document can be used as evidence in legal proceedings if harassment continues and forms part of the paper trail for potential court actions.
