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Letter To Debt Collector To Stop Contact Template for England and Wales

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Key Requirements PROMPT example:

Letter To Debt Collector To Stop Contact

"I need a Letter To Debt Collector To Stop Contact to send to ABC Collections regarding a disputed credit card debt of £5,000, as they have been calling me multiple times daily despite my vulnerability status due to ongoing medical treatment."

What is a Letter To Debt Collector To Stop Contact?

The Letter To Debt Collector To Stop Contact is a crucial document used when debt collection communications become excessive, inappropriate, or cause undue stress. Under English and Welsh law, debtors have the right to request cessation of contact from debt collectors, particularly when communications amount to harassment or when the debt is disputed. This document formally exercises these rights, citing relevant legislation such as the FCA regulations, Consumer Credit Act 1974, and Protection from Harassment Act 1997. While the letter doesn't eliminate the debt obligation, it provides a legal foundation for managing how future communications regarding the debt should be handled.

What sections should be included in a Letter To Debt Collector To Stop Contact?

1. Personal Details: Your name, address, and any reference numbers

2. Debt Collector Details: Name and address of the debt collection agency

3. Account Information: Details of the debt account in question

4. Cease Contact Request: Clear statement requesting cessation of contact

5. Legal Rights Citation: Reference to relevant legal rights and regulations

What sections are optional to include in a Letter To Debt Collector To Stop Contact?

1. Dispute Notice: Statement disputing the debt - include when the debt is disputed

2. Vulnerability Statement: Declaration of vulnerable circumstances - include when the debtor is in vulnerable circumstances

3. Previous Contact History: Summary of previous communications - include when there has been problematic contact history

What schedules should be included in a Letter To Debt Collector To Stop Contact?

1. Evidence of Harassment: Copies of communications showing harassment, if applicable

2. Medical Evidence: Documentation of medical conditions affecting ability to handle debt communications

3. Power of Attorney: If letter is being sent by someone acting on behalf of the debtor

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈ˰æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Relevant legal definitions















Clauses















Industries

FCA Regulations: Financial Conduct Authority regulations including CONC (Consumer Credit Sourcebook) rules and FCA Handbook requirements governing debt collection practices

Consumer Credit Act 1974: Primary legislation governing consumer credit and debt collection practices, establishing core consumer rights and protections in credit relationships

Data Protection Act 2018 and UK GDPR: Legislation governing personal data processing rights and restrictions, including the right to restrict processing of personal information in debt collection contexts

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services and mandates fair treatment of customers in financial dealings

Consumer Rights Act 2015: Legislation providing general consumer protection provisions and regulations against unfair terms and practices in consumer contracts

Protection from Harassment Act 1997: Legislation providing specific protections against harassment, including harassment by debt collectors

Administration of Justice Act 1970: Contains Section 40 which specifically addresses and prohibits harassment of debtors by creditors or their agents

FCA's Treating Customers Fairly Principles: Regulatory guidelines establishing principles for fair treatment of customers and specific considerations for vulnerable customers in debt collection

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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