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Disputes & your rights

How to Ask for Proof of a Debt

You are entitled to understand what you are being asked to pay. Here is how to request evidence and a clear breakdown of a debt.

What you'll do

  • Know what evidence reasonably supports a debt
  • Understand the difference between a balance and a full account history
  • Write a clear request for proof and a breakdown
  • Use the evidence you receive to check the debt against your records
  • Know what to do if no evidence is provided

5 min

Why ask for proof

Asking for proof is a sensible first step if you are unsure about a debt. It helps you confirm the amount, who it is owed to, and how the figure was worked out — before you decide what to do next.

This is general information, not legal advice. If you need advice about your specific circumstances, the free services linked below can help.

What to ask for

Reasonable items to request include:

  • The name of the original creditor
  • The account or reference number
  • A breakdown of the balance — the original amount, payments made, and any fees or interest added
  • The date the account was opened or the debt arose

Step-by-step

  1. Quote the reference number so the collector can find your account quickly.
  2. State plainly that you are asking for evidence the debt is owed before discussing payment.
  3. List the specific items above that you would like to see.
  4. Ask for a written response and a reasonable time to review it.
  5. Send your request in writing and keep a dated copy.
  6. When the evidence arrives, compare it against your own records.

If the figures look wrong, see our guide on how to respond if the amount is wrong.

If no proof is provided

If you ask for evidence and receive nothing, follow up in writing. You can also raise a complaint or reach us through the contact page to discuss your account.

Good to know

  • You can ask for evidence before deciding how to proceed
  • Request the original creditor, the reference, and a full breakdown
  • Put the request in writing and keep a copy
  • Use the evidence to check the debt against your own records

FAQ

What counts as proof of a debt?

Reasonable proof usually includes the original creditor's name, the account details, and a breakdown showing how the balance was calculated. Ask for these in writing.

Is asking for proof the same as disputing?

Not necessarily. Asking for proof is a request for information. If, after reviewing it, you still disagree, you can then raise a formal dispute.

How long does it take to get proof?

It can take time for a collector to gather records from the original creditor. Allow a reasonable period and follow up in writing if you do not hear back.

Still not sure? Our team is happy to talk it through.

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