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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 in Scotland. Make sure that you have not made a payment acknowledged the debt within 5 years.

This sample letter is not relevant in England and Wales
To view this sample letter for England and Wales, 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 five year period. You can find information about how to use this letter in our topic Time limits for recovering debts.

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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20th June 2024

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