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[Your address]

[Payday loan provider details]

Loan account number: [add details]

Dear Sirs,

I write in connection with the above loan which I entered in to on [date].  

On [date] I advised you that I was working with a debt adviser to try to put in place a repayment plan in relation to this loan.

I also asked that you suspend any debt collection activity and provide me with a reasonable opportunity to put forward a proposal.

Despite my request, I have received a [letter/ telephone call/ visit] from a debt collection firm demanding payment of arrears under the loan.

The Office of Fair Trading guidance for creditors on irresponsible lending cites as an example of physical or psychological harassment as:

‘Failing to suspend the pursuit of recovery of a debt from a borrower in default or arrears difficulties under circumstances in which the borrower disputes the debt and has- or appears as if he may have- valid grounds for doing so.’

I would request confirmation from you by return that I will receive no further contact from debt collectors until [set out the date until which your debt advisor suggested you ask for a break]  

I look forward to hearing from you.

Yours faithfully

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