Prove It Letter
Send this letter when a debt collector contacts you about an old or unfamiliar debt. They must prove the debt exists before you need to pay anything.
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Dear [Debt Collector Name], Re: [Reference Number] Alleged Debt Amount: [Amount] I do not accept that I owe this debt. Before any further action, please provide: 1. A true copy of the credit agreement with my signature 2. A statement of account from day one 3. Details of any charges or interest added 4. Proof of your authority to collect this debt 5. The name and address of the original creditor Until this evidence is provided, I consider the debt disputed under the Consumer Credit Act. I also request that you do not contact me by telephone regarding this matter. Yours faithfully, [Your Name] [Your Address]
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