⚖️ Your Legal Protection Against Harassment

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CPR 2008 Protection

The Consumer Protection from Unfair Trading Regulations 2008 prohibits aggressive commercial practices. Debt collectors who use harassment, coercion, or undue influence face criminal prosecution and unlimited fines.

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Protection from Harassment Act

Under the Protection from Harassment Act 1997, repeated unwanted contact constitutes harassment. You can obtain a restraining order and claim damages. Criminal penalties include up to 6 months imprisonment.

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FCA CONC Rules

FCA Consumer Credit Sourcebook (CONC 7.3) strictly regulates contact frequency and methods. Violations can result in loss of credit license, enforcement action, and compensation orders.

📚 Official Resources & Legal References

🏛️ CPR 2008 Legislation ⚖️ Protection from Harassment Act 1997 📜 FCA CONC Rules - Debt Collection 💰 Citizens Advice - Harassment Rights 🦺 Financial Ombudsman - Debt Collection 📑 Government Debt Collection Guidance

⚠️ IMPORTANT: When Can You Use This Letter?

✅ USE This Letter When:

Excessive Contact: Multiple calls/texts per day
Wrong Times: Before 8am or after 9pm
Wrong People: Contacting employer, family, friends
Threatening Behavior: Aggressive or intimidating language
False Information: Lies about legal powers or consequences
Doorstep Visits: Turning up without court authority
Social Media: Contacting via Facebook, Twitter, etc.
Ignoring Vulnerability: Not respecting mental health, disability
After CCA Request: Continuing collection without providing documents

❌ This Letter CANNOT Stop:

Court Proceedings: CCJs, bankruptcy petitions
Legal Notices: Statutory demands, default notices
Bailiff Action: WITH valid court warrant
Monthly Letters: One reasonable contact per month
Credit Reporting: Accurate credit file updates
Debt Sale: Selling debt to another company
Legal Representatives: Solicitors acting properly
Statutory Rights: Their legal right to recover debts

🎯 KEY POINT: Harassment vs Legitimate Collection

OWING MONEY DOESN'T REMOVE YOUR RIGHTS! Even if you genuinely owe a debt, creditors MUST follow strict rules. They can pursue the debt legally, but they CANNOT harass you.

✅ LEGITIMATE:

One call per day maximum
"Please contact us to discuss"
Professional, courteous tone
Accurate information
Proper legal procedures

❌ HARASSMENT:

10+ calls per day
"We're coming to your house NOW"
Aggressive, threatening tone
"You'll go to prison" (lies)
Bypassing legal process

📮 What Happens After Sending?

Best Case:

They stop all harassment immediately and switch to legal methods only (monthly letters, proper court action if needed)

Likely Case:

They reduce contact to legal minimum, may send one letter confirming receipt and their position

If Ignored:

Report to FCA, call police (101), seek restraining order, sue for damages, formal complaints

⚖️ This letter enforces your LEGAL RIGHTS under UK law. Use it to stop harassment, not to avoid legitimate debts.

If you're struggling with debts, contact StepChange, National Debtline, or Citizens Advice for free help with payment plans and solutions.

Cease & Desist Letter Generator

⚖️ Your Legal Protection Against Harassment

CPR 2008 Protection

Protection from Harassment Act

FCA CONC Rules

📚 Official Resources & Legal References

⚠️ IMPORTANT: When Can You Use This Letter?

✅ USE This Letter When:

❌ This Letter CANNOT Stop:

🎯 KEY POINT: Harassment vs Legitimate Collection

📮 What Happens After Sending?

Help Others Stop Debt Harassment!

Letter Builder

CEASE & DESIST NOTICE

Cease & Desist Letter Generator

⚖️ Your Legal Protection Against Harassment

CPR 2008 Protection

Protection from Harassment Act

FCA CONC Rules

📚 Official Resources & Legal References

⚠️ IMPORTANT: When Can You Use This Letter?

✅ USE This Letter When:

❌ This Letter CANNOT Stop:

🎯 KEY POINT: Harassment vs Legitimate Collection

📮 What Happens After Sending?

Help Others Stop Debt Harassment!

Letter Builder

CEASE & DESIST NOTICE

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