As soon as you apply for debt review through Zero Debt, we will within 5 days (usually less than 48 hours) notify all your credit providers that you are going under debt review and from that point onwards they must, by law, communicate with your debt counsellor and not with you directly. It does unfortunately happen from time to time that some credit providers take a chance by making contact with our clients directly, but when this happens, you can merely refer them to us and we will deal with the matter further.