Generate a prove-the-debt letter

Use this generator when a collector contacts you about a debt you do not recognise, a balance that looks wrong, or an account that may have been sold.

Before you send it

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Check whether the letter is just ordinary collection or whether it is a Letter of Claim, court form or enforcement notice. A prove-the-debt letter does not replace a formal court response.

If the debt might be regulated consumer credit, you may also need a CCA request template. If the debt is old, use the statute barred debt checker before writing anything that could admit the balance.

What to include

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Ask for the original creditor, account number, statement of account, agreement or basis of liability, assignment evidence, authority to collect and a clear deadline if the collector says one applies.

Keep your own copy and send it by a method you can prove. If you later speak by phone, write down the date, time, person you spoke to and what was agreed.