Introduction

We have four letter templates you can use to complain about a lender easily. Save yourself time and make your complaint professional with our templates. We’ll help you complain about all the common problems debtors face, including creditor harassment, statute barred debt and complaints that you do not owe the money. 

Complain to Your Lender

Our generic complaint to your lender letter template is excellent if you want to make a complaint about irresponsible lending. Lots of UK debtors have had debts written off because they should have never been given credit in the first place. It’s also an effective letter if you want to complain to your lender for other reasons. 

If you want to complain about lender harassment – keep scrolling! 

Complain to Your Lender

Complaining to Debt Collection Agencies that You do Not Owe the Debt

Have you been asked to repay a debt that doesn’t belong to you? The best way to make the debt collector realise there has been an admin error is to send a letter asking for proof you owe the debt. Download our prove the debt letter to make the creditor aware of the mistake and stop contacting you. 

It’s also a fantastic letter to send if you want to buy yourself some time. They must prove the debt is yours if you request proof. And if they don’t, there is no need to pay!

Complaining to Debt Collection Agencies that You do Not Owe the Debt

Creditor Harassment Warning

The Financial Conduct Authority’s Consumer Credit sourcebook outlines behaviours that are classed as creditor harassment. The most common types are frequent calls and text, and intimidating threats. If you believe your creditor has been harassing you, you should make a complaint directly using our letter template before reporting them to the Financial Ombudsman. 

Creditor Harassment Warning

Time Has Run out to Recover the Debt

Section 5 of The Limitations Act 1980 states that a debt can only be collected within six years. If the creditor has failed to chase you for the debt during this time, but then comes asking for the money later, you can tell them time has run out. Tell your creditor that your debt is legally unenforceable with our free letter template. You shouldn’t be asked for payment again!

Time Has Run Out to Recover the Debt

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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