PostRight - Professional Complaint Letters

Debt Collection Dispute Letter

When to Use This Letter

If you are being chased for a debt you believe is incorrect, statute-barred, or already settled, you have the right to dispute it in writing. The Financial Conduct Authority (FCA) Consumer Credit sourcebook and the Limitation Act 1980 provide important protections for consumers facing debt collection. This letter formally disputes the debt, requests written evidence, and puts the collector on notice that you are aware of your rights.

What You'll Need

  • The debt collector's name and address
  • The account or reference number they have quoted
  • The name of the original creditor (if different)
  • The amount they are claiming and the date the debt allegedly arose
  • Any evidence you have that the debt is incorrect, paid, or statute-barred

How It Works

  1. 1Answer a few simple questions about your situation
  2. 2We generate a professional letter using your answers
  3. 3Your letter is printed and posted via Royal Mail — from just £1.99

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