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Sample Letter

Disputing liability for a debt (sole name)

Use this letter where you dispute liability for a debt for which you are being chased.​ Contact us for advice before using this letter.

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

  • Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.
  • Today’s date will be added automatically.
  • Sign each letter and enclose a copy of your budget if needed.

Letter in joint names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.

Change to joint version
You need to include the organisation name.
Name of the organisation you are writing toInclude the name of the person or creditor you are writing to.
You need to include their address.
Their address line 1Make sure you include the full address for the person or organisation. Don't forget the post code.
Their address line 2
Their address line 3
You need to include their postcode.
Their postcodeDon't forget their postcode.
You need to include your address.
Your address line 1Make sure you include your full address.
Your address line 2
Your address line 3
You need to include your postcode.
Your postcodeDon't forget your postcode.

9th April 2021

Date
Dear Sir/Madam
Account No:
This field is required.
Your account or reference numberYou will find your account or reference number on any paperwork from your creditor.
You have contacted me regarding the account with the above reference number, which you claim I owe.
I have no knowledge of any such debt being owed and I dispute any personal liability for this debt.
This field is required.
Enter any additional information that you think may be relevant to your dispute.Enter any additional information that you think may be relevant to your dispute.
Please do not make any further contact about the above account unless you can provide evidence of my liability for the debt.
I await your written confirmation that this matter is now closed.
I look forward to hearing from you.
Yours faithfully
You need to include your name(s).
Include your full name