MP Lobbying Kit
How to Use This Kit to Lobby Your MP
Taking direct political action takes less than five minutes using our free template below. Because UK parliamentary rules state that MPs can only respond to people who live in their own local area, your voice as a constituent is incredibly powerful. Just follow these three simple steps:
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Find your MP: Visit the official Parliament Member Finder and enter your home postcode to find your local MP’s name and official email address.
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Copy and Personalise: Copy the text template below and paste it into a new email. Make sure to fill in the bracketed details like [Your Full Name], [Your Postcode], and [Your MP's Name] as MPs are legally required to verify your address before they can take on your case.
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Send: Hit send! If you want to make an even bigger impact, feel free to add a sentence or two sharing your own personal reasons for supporting the campaign before sending it off.
Are you a UK resident but not a British citizen?
You are still a constituent! UK Members of Parliament represent every single person who legally lives and works within their local boundary, regardless of your nationality, passport, or immigration status (including those with Settled Status). If you live at a UK address, that MP is your official representative in Parliament, and they have a duty to listen to your voice.
Email Subject Line Ideas:
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Urgent constituent issue: Predatory secondary debt practices in [Insert Constituency Name]
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Regulating the secondary debt market: Protecting vulnerable constituents
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Constituent request: Challenging the Treasury and FCA on predatory debt buyers
The Letter Template
[Your Full Name]
[Your Full Postal Address]
[Your Postcode]
[Your Phone Number - Optional]
[Date]
To: [Insert Your MP’s Name] MP House of Commons
London
SW1A 0AA
Dear [Insert MP’s Name],
As a voting constituent living in your local area, I am writing to urgently bring to your attention a severe regulatory gap in the UK financial sector that is actively harming struggling families in our community. I am requesting that you formally challenge the HM Treasury and the Financial Conduct Authority (FCA) on this matter.
The issue lies within the UK’s secondary debt market, where consumer debts are bought and sold behind closed doors as commodities. When ordinary households fall behind on utility bills, mobile contracts, or bank loans, original creditors routinely bundle these defaulted accounts and sell them to private debt-purchasing firms.
Because these debts are high-risk, private firms purchase them at a staggering discount, frequently paying between 3p and 20p for every £1 of debt. However, upon taking ownership, these firms do not seek a fair settlement. Instead, they exploit state legal mechanisms, specifically using the threat of County Court Judgments (CCJs) and bailiff enforcement, to demand the full original face value from the debtor, pocketing extreme corporate profit margins.
I believe it is deeply wrong that private entities are permitted to weaponise the state legal system to extract massive, hidden profits from individuals who are often vulnerable, unaware of their rights, and unable to fight back.
I am backing a non-profit, grassroots campaign called Cap the debt UK, which is calling for a balanced, common-sense update to consumer credit laws. We are asking for two simple measures:
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Mandatory Price Disclosure: Legally requiring debt buyers to explicitly state exactly how much they paid to purchase an account on every collection notice sent to a consumer.
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A Statutory Recovery Cap: Capping the total amount a debt buyer can legally recover at no more than 150% (one-and-a-half times) the actual purchase cost.
This would ensure debt buyers make a fair, predictable return on their investment, while completely stopping them from turning a £10 purchase into a crushing £100 demand against a struggling individual.
As my elected representative, will you write to the Chancellor of the Exchequer and the Chief Executive of the FCA to ask why private debt buyers are currently allowed to exploit consumers using state legal mechanisms for extreme corporate margins? Furthermore, would you be willing to support a parliamentary debate on introducing a statutory cap and mandatory price disclosure in the secondary debt market?
I look forward to hearing your thoughts on this matter and learning how you intend to protect your constituents from these predatory practices.
Yours sincerely,
[Sign your name here] / [Your Print Name]