What evidence should I provide for my dispute?

What's happening

You want to support your dispute with the right evidence so it can be resolved as quickly as possible. You do not need to prove your case beyond doubt — the aim is simply to give us enough to check the account properly and see the issue from your side.

This is general information, not legal advice. If you would like help preparing a dispute, the free services below can assist.

What tends to help

Depending on your situation, useful evidence can include:

• Payment records — receipts, bank statement lines, or transfer confirmations
• Account history — earlier letters or statements showing a different balance
• Agreements — the original contract or terms, especially for fees or cancellations
• Correspondence — emails or messages with the original creditor
• Report references — for example, an identity theft report number

Step by step

1. Decide what your dispute is about so you know which evidence is relevant.
2. Gather the documents above that relate to your point.
3. Order them simply — for example, by date — so they are easy to follow.
4. Write a short covering note quoting your reference and explaining what each item shows.
5. Send copies, not originals, and keep your own dated copy.
6. Ask us to confirm receipt and what happens next.

What evidence helps most

Dated records are usually the most persuasive, because they show exactly what happened and when. A clear covering note that links each document to your point helps us act on it quickly. Our Help Centre has more detail on preparing a dispute.

Who to contact

Send your evidence through the contact page. For free help preparing a dispute, call the National Debt Helpline on 1800 007 007 to speak with a financial counsellor. If a dispute cannot be resolved with us, an external scheme such as AFCA may be able to consider it.