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This letter is relevant in England & Wales.

England Wales

Time has run out to recover the debt (sole name)

Use this letter to help you dispute liability for ‘simple contract’ debts. Make sure that you have not made a payment acknowledged the debt within 5 years.

This sample letter covers England and Wales
For a version of this sample letter that covers Scotland, please click here.

Use this letter to help you dispute liability for ‘simple contract’ debts. You must be reasonably sure that you have not made a payment or written acknowledging that you owe the debt during the six year period. You can find information about how to use this letter in our Statute barred debts guide.

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.
  • Download your letter to your computer for saving and printing by clicking on ‘Download pdf’ or ‘Download doc’ on the left.
  • Sign each letter and enclose a copy of your budget if needed.

Our service is always free. If you have any questions or need advice, call us on 0808 808 4000.

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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20th June 2024

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