Report Creditor Harassment Letter: Free Template and What to Include

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.

What this letter needs to cover

• Describe the specific harassing conduct with dates including excessive phone calls
• Threats
• Or contact outside reasonable hours
• In England and Wales, reference section 40 of the Administration of Justice Act 1970 (harassment of debtors), and the FCA's debt collection rules in CONC 7
• 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.

[Your Name]
[Your Address]
[Your Postcode]
[Name of Creditor or Debt Collector]
[Creditor Address]
[Creditor Postcode]
[Date]

Dear [Name of Creditor or Debt Collector],

Subject: Unacceptable contact - Account Number: [Account Number]

I am writing to formally object to how often, and how, your company is contacting me about the above account.

Your staff have been [describe it, with dates, e.g. calling me more than 5 times a day between [date] and [date] / calling me at 10pm on [date] / contacting me at work after I asked them not to on [date]]. This is causing me serious distress.

Please note:
• [England and Wales: This conduct may amount to harassment of a debtor under section 40 of the Administration of Justice Act 1970, and may also amount to harassment under the Protection from Harassment Act 1997.] [Scotland: This conduct may amount to harassment under the Protection from Harassment Act 1997.]
• It goes against the Financial Conduct Authority's debt collection rules (CONC 7), which require you to treat me fairly and not to contact me at unreasonable times or too often.

Please stop calling me now. Contact me only by letter, or by email at [Your Email Address]. If this contact continues, I will complain to the Financial Conduct Authority and the Financial Ombudsman Service.

Yours sincerely,

[Your Signature]
[Your Printed Name]