Sample letter

Complain to your lender (joint names)

​Use this letter to contact your lender first before complaining to the Financial Ombudsman Service. You can find information about how to use this letter in our fact sheet Complaining about your lender.

Letter in sole names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.
  • Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.

  • Today’s date will be added automatically.

  • Download your letter to your computer for saving and printing by clicking on ‘Download pdf’ or ‘Download doc’ on the left.

  • Sign each letter and enclose a copy of your budget if needed.

23 September 2020

Dear Sir/Madam

Account No:

We would like to make a complaint against your company. The details are set out below.


If you fail to resolve our complaint within eight weeks, or if matters are not settled to our satisfaction, we will have no alternative but to escalate our complaint to the Financial Ombudsman Service. This could result in you being ordered to pay compensation if our complaint is upheld.

We look forward to hearing from you.

Yours faithfully