Report Creditor Harassment Letter Template & Generator

If you need to formally warn a creditor about harassment under FCA rules, a written letter is the recommended first step — it creates a clear record and shows you're pursuing the matter formally. Below is what a strong report creditor harassment should include, plus a free tool to generate yours.

What this letter needs to cover

• Describe the specific harassing conduct with dates including excessive phone calls
• Threats
• Or contact outside reasonable hours
• Reference the Administration of Justice Act 1970 section 40 making harassment of debtors a criminal offence and the FCA CONC rules prohibiting unfair and unclear communications
• Demand immediate cessation
• Warn of complaints to the FCA and Financial Ombudsman

What counts as unlawful creditor harassment

FCA rules require creditors and debt collectors to treat customers fairly, and repeatedly calling at unreasonable hours, contacting you excessively despite requests to stop, misrepresenting the legal position, or contacting you at work after being asked not to can all cross into unacceptable, and potentially unlawful, behaviour. A clear written warning creates a formal record and often changes behaviour on its own, since it puts the creditor on notice that further action may follow.

What to include before you send it

• Specific examples of the contact you consider harassment — dates, times, and what was said or done
• Reference to FCA rules on treating customers fairly and appropriate debt collection practices
• A clear instruction on how and when you're willing to be contacted going forward
• A statement that further inappropriate contact may be reported to the Financial Conduct Authority

Keeping a record strengthens your position

Note the date, time, and nature of every contact you consider excessive or inappropriate, including who called and what was said. This becomes important evidence if the behaviour continues after your letter and you need to escalate to the FCA or the Financial Ombudsman Service.

Frequently Asked Questions

Can I ask a creditor to only contact me in writing?
Yes — you're entitled to specify a reasonable preferred method of contact, and a creditor should respect this once clearly communicated.

What if the harassment continues after this letter?
You can complain formally to the creditor, and if unresolved, escalate to the Financial Ombudsman Service or report the conduct to the FCA directly.

See our full letter template & generator library for related letters, or use our free checkers for guidance specific to your situation.