National Debtline | Sample letters - Complain to your lender

Use this letter to contact your lender first before complaining to the Financial Ombudsman Service. You can find more information about how to use this letter in our guide Complaining about your lender.

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.
Today’s date will be added automatically.
Sign each letter and enclose a copy of your budget if needed.

Letter in joint names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

Change to joint version

This field is required.

25th January 2025 [today’s date]*

Dear Sir/Madam

Account No:

This field is required.

I would like to make a complaint against your company. The details are set out below.

This field is required.

If you fail to resolve my complaint within eight weeks, or if matters are not settled to my satisfaction, I will have no alternative but to escalate my complaint to the Financial Ombudsman Service. This could result in you being ordered to pay compensation if my complaint is upheld.

I look forward to hearing from you.

Yours faithfully

This field is required.

Change country

Complain to your lender (sole name)

Complain to your lender (sole name)

Letter in joint names