Letter to complain about a loan

If you have a problem with a loan you can use this letter to complain - you can use it for most types of loans.

If you want to complain about a mortgage or hire purchase agreement, don’t use this letter - you can talk to an adviser instead.

You can use this letter to complain about different kinds of problems with a loan. For example, if:

• you think your lender shouldn’t have given you the loan

• your lender didn’t explain the terms and conditions

• you’ve had problems paying it back because your lender won’t accept your offer or freeze interest 

Making a complaint will show your lender what they have done wrong and help make sure they follow the rules in the future.

You can also ask your lender to put things right - for example, by agreeing a more reasonable repayment plan and freezing interest and charges. If they don’t put things right, you can complain on the Financial Ombudsman Service website.

Check if this letter is useful for your specific situation. If you need more specific advice and guidance, you can talk to an adviser.

Writing your letter

To write your letter you’ll need:

• your creditor’s name and address

• your account number

• a few sentences explaining your situation

First you’ll fill in a form with some details about your debt. Your answers will go into your letter. 

You must write something in each box on the form, unless it’s marked as ‘optional’. If you don’t fill in a box an error message will appear at the top of the form and you won’t be able to continue until you fill it in.

We don’t store your information. If you go to another webpage before you’ve finished your letter, your answers will be deleted.

Sending your letter

There are different ways you can send your letter to your creditor. You can:

•  download it and attach it to an email

•  download it and print it out to send in the post

•  copy and paste it into an email or web form

You should save a copy of the letter for your records.

Example letter

First, you can see an example of the letter to get an idea of what you are writing. This is a finished letter, with example details in it.

Choose ‘Write letter’ to start writing your own version of the letter.

Ysgrifennu llythyr