Letter Disputing a Debt Template

Challenge a debt you don't recognise, dispute the amount owed, or formally request proof before you'll consider paying.

[Your Full Name]
[Your Address Line 1]
[Town / City]
[Postcode]

[Date]

[Creditor / Collection Agency Name]
[Their Address Line 1]
[Town / City]
[Postcode]

Dear Sir or Madam,

Re: Disputed Debt - Reference [Account / Reference Number]

I am writing regarding your recent correspondence about an alleged debt of £[amount], reference [reference number].

I dispute this debt for the following reason(s): [state clearly, e.g. I do not recognise this account / the amount stated is incorrect / this debt has previously been settled / I believe this debt may be statute-barred].

Under the Consumer Credit Act 1974, I am formally requesting that you provide:

1. A copy of the original signed credit agreement (or a true copy where the original cannot be produced);
2. A full statement of account showing how the balance of £[amount] was calculated, including all payments, charges and interest applied;
3. Confirmation of the date of the last payment made or acknowledgement of this debt.

Until you have provided this information, I do not consider myself obliged to make any payment, and I would ask that no further collection activity - including contact by telephone or a doorstep visit - takes place in relation to this account.

Please respond in writing within 12 working days.

Yours faithfully,

[Your Signature]

[Your Full Name]
[Your Contact Telephone Number]
[Your Email Address]

Prefer to write your own from scratch? write a letter online.