Business debts If you were previously self-employed, you may have debts to old suppliers and others. You can usually treat old business debts as a non-priority. However, there are some exceptions, such as business rates debts and tax debts. See our Business debts fact sheet. Are you having problems with your creditors? If you don’t agree that you owe a debt You may not agree that you owe all, or part, of the money you are being asked to pay. If so, you may be able to challenge the debt. The rules depend on the type of debt you have and why you don’t agree that you owe it. Sometimes strict timescales apply. Contact us for advice, if you want to dispute an amount owed on a priority or a non-priority debt. Have you been a victim of fraud? If a debt has been taken out in your name through identity fraud, see our Dealing with fraud fact sheet. Have you been treated unfairly by your priority creditor? If you feel that your creditor has treated you unfairly or not followed the correct procedure, you have the right to complain. Many of our fact sheets include information on how to complain. You can also contact us for advice. Have you been treated unfairly by your non-priority creditor? You can complain if you feel that your creditor (or a debt collector) has treated you unfairly, or not followed the correct procedure. You will need to complain to your creditor (or debt collector) first and follow their complaints process. After that, you can usually ask the FOS to look at your complaint. For more information on complaining to the FOS, go to www.financial-ombudsman.org.uk or call 0800 023 4567. Also see our Complaining about your lender fact sheet. Page 98