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This letter is relevant in England & Wales.

England Wales

Complaining to debt collection agencies that you do not owe the debt (sole name)

Use this letter to complain to debt collection agencies who are pursuing you when you do not owe the debt.

​Use this letter to complain to debt collection agencies who are pursuing you when you do not owe the debt. 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.

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Your address line 1Make sure you include your full address.
Your address line 2
Your address line 3
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Your postcodeDon't forget your postcode.

20th June 2024

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However you feel comfortable, we can help you make a plan to take control of your debt.