Debt Collection Dispute Letter
Challenge unfair debt collection practices or dispute the validity of a debt — cite FCA CONC rules and request a CCA agreement.
Write My Letter Now →Debt collectors operating in the UK are regulated by the Financial Conduct Authority (FCA) and must comply with the Consumer Credit sourcebook (CONC). This means they cannot use aggressive or misleading tactics, must provide accurate information about the debt, and must cease collection activity if you formally dispute the debt or request a copy of the original credit agreement under the Consumer Credit Act 1974.
If you believe a debt is not yours, is statute-barred, has been incorrectly calculated, or is being pursued using unfair practices, a formal dispute letter is the correct first step. It puts the debt collector on notice, triggers their obligation to investigate, and — if a CCA request is included — requires them to provide the original credit agreement before they can continue collection activity.
PostRight generates a professionally worded debt collection dispute letter citing the FCA CONC rules and, where applicable, including a formal CCA request under section 77/78 of the Consumer Credit Act 1974. Your letter is printed and posted via Royal Mail First Class.
What's included in your letter
- ✓Formal dispute of the debt with clear grounds for the dispute
- ✓Reference to FCA CONC rules on fair debt collection practices
- ✓CCA request under section 77/78 of the Consumer Credit Act 1974 (where applicable)
- ✓Demand that collection activity ceases pending resolution of the dispute
- ✓Notice of referral to the FCA or Financial Ombudsman Service if not resolved
Legal basis: FCA CONC Rules / Consumer Credit Act 1974
Frequently Asked Questions
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PostRight prints and posts your letter via Royal Mail First Class — no printing, no stamps, no hassle.
Start Your Letter Now →From £1.99 · Printed & posted by Royal Mail