National Debtline | Sample letters - Creditor harassment warning

Use this letter to tell your creditor if you think they are harassing you, and ask them to stop. You can find information about how to use this letter in our guide Harassment by creditors and debt collectors.

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

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25th January 2025 [today’s date]*

Dear Sir/Madam

Account No:

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Further to your recent

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, I am writing because I think your behaviour towards me in trying to collect the debt is unreasonable and could be considered to be harassment.

I have been advised that, under the Financial Conduct Authority’s Consumer Credit sourcebook, it is an unfair and improper business practice to:

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Please stop trying to recover the debt in this manner. In future, please only contact me by letter and stop the behaviour I have outlined above.

If you ignore this request or do not change your behaviour, I will make a formal complaint to the following body:

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Yours faithfully

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Creditor harassment warning (sole name)

Creditor harassment warning (sole name)

Letter in joint names