Five free starting points

Your words.
Your reply.

Choose a letter, add your details and check the draft. Download a PDF, copy the text or open it in your email app. You decide what to send.

Ask for proof of the debt

Ask for the documents behind a claim you do not recognise or understand.

Explain that it is not yours, the amount is wrong or it has already been paid.

Ask for records about an old claim, after getting advice about your circumstances.

Explain that you cannot manage payments and ask to discuss assistance.

Propose an amount and schedule you have worked out you can manage.

A letter to a collector does not respond to a court claim or extend a deadline. Get legal help promptly.