Require contact in writing: stopping the phone calls
You are entitled to insist that creditors deal with you on paper. One letter converts a daily phone barrage into a manageable file.
When to use this
Use this when calls are frequent, distressing, reaching your workplace, or simply making the situation harder to manage. It does not pause the debt — it changes the medium, which for most people changes everything about how manageable the situation feels.
The letter
Your name Your address [Date] [Creditor name and address] Account/reference: [number] Dear Sir or Madam, From the date of this letter, I require all contact about this account to be in writing only, by post [or email to: address]. Please stop telephone contact to any number for me, including my workplace. Calls to my workplace risk my employment and I do not consent to them. I am not refusing to deal with this account — I will respond to written correspondence — but repeated telephone contact is causing distress and I am exercising my right to a reasonable channel of communication. Please confirm in writing that my contact preference has been recorded and will be respected. Yours faithfully, [Name]
Before you send it
Log any calls after receipt: date, time, number. Continued calling after a clear written request is complaint material — first to the firm, then to the Financial Ombudsman for regulated creditors. If contact is aggressive or threatening rather than merely frequent, that is a different problem: the creditor threats guide covers it.
Keep a copy of everything you send, send by a method you can evidence, and if your situation involves court deadlines or enforcement, free debt advice before posting anything is the better order of events.