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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Dear [Debt Collection Company], Re: Account Reference [Reference Number] I am writing to dispute the debt you claim I owe. I do not recognize this debt and request that you provide: 1. A copy of the original credit agreement bearing my signature 2. A full statement of account showing how the amount was calculated 3. Proof that you are authorized to collect this debt Until you provide this documentation, I consider this debt disputed and request that you cease all collection activity. I am aware of my rights under the Financial Conduct Authority guidelines and the Consumer Credit Act. Please respond within 30 days with the requested documentation. Yours faithfully, [Your Name] [Your Address]
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Quick Tips
- •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
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