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Sample Letter

Creditor harassment warning (sole name)

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 fact sheet 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
You need to include the organisation name.
Name of the organisation you are writing toInclude the name of the person or creditor you are writing to.
You need to include their address.
Their address line 1Make sure you include the full address for the person or organisation. Don't forget the post code.
Their address line 2
Their address line 3
You need to include their postcode.
Their postcodeDon't forget their postcode.
You need to include your address.
Your address line 1Make sure you include your full address.
Your address line 2
Your address line 3
You need to include your postcode.
Your postcodeDon't forget your postcode.

4th December 2020

Dear Sir/Madam
Account No:
This field is required.
Your account or reference numberYou will find your account or reference number on any paperwork from your creditor.
Further to your recent
This field is required.
Telephone calls/letters/visits
, 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:
This field is required.
Explain here exactly which types of behaviour you are complaining about.Give specific examples, with dates, times and locations if possible. Or, if you have used our creditor contact diary, send a copy of this.
.
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:
This field is required.
Citizens Advice consumer service/Trading standards/the Financial Conduct Authority/the Financial Ombudsman Service/the Legal Ombudsman/trade association.Use the information in the Harassment by creditors and debt collectors fact sheet to decide which body it is most appropriate for you to complain to. If you are not sure, <strong>contact us for advice</strong>.
.
Yours faithfully
You need to include your name(s).
Include your full name