Debt Dispute Letter
Use this template if you have been contacted about a debt you do not believe you owe. You have the right to request proof before making any payment.
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Success Rate
4.8k+
People Helped
14 days
Avg Resolution
Dear [Debt Collection Company], Re: Account Reference [Reference Number]
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Escalation Versions
If you need to escalate, use these progressively stronger versions.
What To Do Next
- 1
Do not ignore the debt letter, but do not pay until verified
- 2
Send this letter within 30 days of their first contact
- 3
Request written proof of the debt
- 4
Keep copies of all correspondence
- 5
Consider seeking free debt advice if needed
Tips for Success
Never admit to the debt or make any payment until they prove you owe it
Check if the debt is statute-barred (over 6 years old in England/Wales)
Keep all letters in a file - you may need them later
Consider free debt advice from StepChange or Citizens Advice
What If They Ignore You?
If they cannot prove the debt exists, they must stop collection activity. If they continue to harass you, report them to the Financial Ombudsman Service and the FCA.
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