A guarantor is legally responsible for the loan if the borrower can't pay. The lender should attempt reasonable recovery from the borrower first, but that isn't a legal barrier to contacting you.
Ask for a full statement, a copy of the credit agreement and a breakdown of missed payments. Errors, poor affordability checks or aggressive collection can all be grounds to complain.
Your own debt help options — including formal solutions — remain available even where you are on the loan as guarantor.
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