Stop Debt Collectors — Free UK Legal Letter Generator

Harassment from debt collectors? Worried about statute barred debts? Generate professional legal letters backed by FCA rules and UK consumer law to protect your rights — for free.

Generate Your Free Legal Letter

How It Works

1

Describe Your Situation

Tell us about the debt collector's behaviour, your contact history, and your circumstances. Your information stays private and secure.

2

Get AI-Generated Letter

Our system instantly generates a professional legal letter tailored to your case, backed by FCA CONC 7 rules and consumer protection law.

3

Send & Protect Yourself

Copy, download, or send the letter directly to the debt collector. Keep a record for evidence. You keep your copy in your case file.

Fight Back Against

Harassment

Excessive contact, aggressive language, or threats from debt collectors.

Statute Barred Debts

Debts older than 6 years with no payment or acknowledgement.

Unfair Enforcement

Debts they can't legally prove or enforce against you.

Bailiff Overreach

Bailiffs trying to force entry or exceeding their legal powers.

Unfair Default Notices

Default notices that breach the Consumer Credit Act 1974.

Breach of FCA Rules

Collection practices that violate FCA CONC 7 requirements.

Built on UK Law & Regulation

FCA CONC 7

Financial Conduct Authority rules for debt collection. Sets standards for fair, responsible collection behaviour and customer communication.

Consumer Credit Act 1974

Protects borrowers with strict requirements for default notices, regulated agreements, and creditor conduct. Breaches are enforceable against collectors.

Protection from Harassment Act 1997

Makes it illegal to pursue a course of conduct that causes harassment or distress. Covers phone calls, letters, and aggressive contact patterns.

Limitation Act 1980

Establishes that most debts become statute barred (unenforceable) after 6 years of no payment or acknowledgement.

FCA Consumer Duty 2023

New rule requiring firms to act with integrity and put consumers' needs at the centre. Applies to all debt collection activities.

GDPR & Data Protection

Collectors must handle your personal data lawfully and can't use it for harassment or in breach of privacy rights.

Frequently Asked Questions

Yes. Under FCA CONC 7.15.1R, if you ask a debt collector in writing to stop contacting you (except to confirm they've stopped), they must comply.

However, they can still take legal action — they just can't contact you by phone, email, or letter. This letter template will make your request clear and legally sound.

A debt becomes statute barred after 6 years with no payment or acknowledgement. Under the Limitation Act 1980, the clock resets if you:

  • Make a payment
  • Make a written acknowledgement of the debt
  • Receive a court judgment

If the debt is statute barred, you have a legal defence and cannot be forced to pay. DebtShield will help you claim this protection.

No, in most cases. Bailiffs cannot use force to enter your home unless they have a specific court order for eviction (rare for debt).

They can only enter if:

  • You invite them in
  • A door is open (they can't push through)
  • They have an eviction warrant (extremely rare)

You can refuse entry and ask them to leave your property. This letter template will set a legal boundary.

FCA CONC 7 protects you by requiring debt collectors to:

  • Treat you fairly — no harassment, threats, or misleading information
  • Respect your privacy — no contact with third parties about your debt (with rare exceptions)
  • Honor communication preferences — stop contacting you if you ask in writing
  • Use reasonable hours — no calls before 8am or after 9pm without permission
  • Check what they claim is owed — you can request evidence of the debt
  • Disclose their identity and right to recover — they must be clear about who they are and their authority

If they break these rules, you can complain to the FCA and claim damages.

You'll need basic details about:

  • The debt collector's name and details (from their letters/calls)
  • When the debt originated (when you first borrowed the money)
  • Your last payment or written acknowledgement (if any)
  • The harassment or breach that prompted your letter
  • Your contact details for the letter signature

Don't worry if you don't have everything — DebtShield will guide you through. Your information is never sold or shared.

Yes, 100% free. DebtShield is a free tool designed to give every person in the UK access to legal rights information and professional letter templates, without cost or signup.

We believe fighting unfair debt collection should be accessible to everyone, regardless of income. Generate as many letters as you need.

Ready to Protect Your Rights?

Generate your free legal letter in minutes. No signup, no payment, no tricks. Just expert guidance based on real UK law.

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