Introduction

Our creditor harassment warning letter is the ideal solution for anyone feeling like they are being harassed by their creditors. The law prevents any creditor from harassing their customers with frequent calls, texts or doorstop visits. Make your feelings clear and stop those debt collection calls with this creditor harassment letter template.

We’ve made a template for individuals feeling harassed and for those with joint credit. Download the right one for you and input some account details to fight back. 

Letter Template

To Whom It May Concern

Regarding Case #: [your case number]* (required)

Further to your recent [telephone calls/letters/visits]*(required), 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:

[Explain here exactly which types of behaviour you are complaining about.]* (required)

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:

[citizens advice consumer service/trading standards/the financial conduct authority/the financial ombudsman service/the legal ombudsman/trade association.]* (required)

Yours faithfully


Downloadable Resource

The download links below take you to a Google document template where you can make a copy or save in any document format you like. Note, you may have to login to your Google account.

Download – Single (for one person)
Download – Joint (for couples)

What is considered creditor harassment?

Creditor or debt collector harassment is when either of these groups make repeated contact asking you to make a payment throughout the day. This includes all forms of communication, not limited to text messages, calls and emails. Creditors are allowed to contact you to discuss a debt, but they should not be communicating with you every hour or day. This is excessive and they should be reminded that harassment is a criminal offence. 

Pursuing debt with threats or illegal statements is also a form of creditor harassment. One example may be the caller saying they will tell your family or colleagues about your debt if you don’t pay. It is illegal to divulge debt information to anyone not named on the debt. 

What doesn’t count as harassment by a creditor?

Communicating with you to remind you of a repayment date or calling to ask why a payment has been missed is not harassment, unless it is part of a series of communications or the communication includes threats. 

Can you stop debt collectors from calling?

You can stop debt collectors from calling on specific days and times. They must adhere to these contact preferences or they are breaking the law. Alternatively, you can stop debt collectors and creditors from calling you at all, as long as you permit them to contact you about your account in writing. 

How do I stop creditors from harassing phone calls?

To relay your communication preferences and stop calls completely, you should inform your creditor in writing. That’s why we made our free creditor harassment letter template. We want to make the process easier and less stressful.

If they don’t adhere to your preferences, you can escalate the warning as a complaint to the Financial Ombudsman Service. 

Can debt collectors turn up on your doorstep?

A debt collection worker or creditor can come to your home to discuss the debt, but you do not have to answer the door or speak to them. And you certainly don’t have to let them inside. If they refuse to leave your property, you should call the police.

Creditors and debt collectors are not bailiffs who may have the right to use appropriate force to enter your property (after court action takes place). If they give the impression that they are bailiffs who can remove goods, they are again breaking the law and you should make a formal complaint.

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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