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Report Creditor Harassment Letter Template
How to formally warn a creditor about harassment under FCA rules — what to include, your legal rights, and a free letter generator.
← All Letter Templates · Debt & Financial · Last updated 18 August 2026
This is free rights guidance, not legal advice. For advice specific to your situation, see our About page or contact Citizens Advice.
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
See our full letter template library for related templates, or use our free checkers for guidance specific to your situation.
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