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6 documents match
- Reply to a debt collector: prove the debt, or it has prescribed (Scotland)For someone in Scotland chased by a debt collector or debt buyer for a debt they do not recognise, dispute or believe is more than five years old. National Debtline and StepChange publish free sample letters for a prescribed debt. This one acknowledges nothing: it asks for proof — the agreement, a statement of account, the default notice and the assignation — or states that the debt has prescribed under section 6 of the Prescription and Limitation (Scotland) Act 1973, so that it no longer exists, and will not be paid. Send it by recorded delivery, and keep a copy.
- Letter before action for money a private person owes you (Scotland)For a private individual in Scotland owed money by another individual — an unrepaid loan, a share of a bill, money paid for something never handed over. The letter sets out the debt, gives 14 days to pay or reply and invites a proposal to settle, and says you will otherwise raise a court action in the sheriff court; claims of £5,000 or less go to the simple procedure, which expects the parties to try to settle first. Send it by recorded delivery, and keep a copy for the claim form.
- Letter asking your bank to close your account (UK)For a customer who wants to close a current account with a bank or building society. Under regulation 51 of the Payment Services Regulations 2017 you can end a current account at any time, subject to a notice period of up to one month if your terms set one, and closing is free once the account has been open for six months. The letter asks the bank to close the account, cancel cards and payments, pay the remaining balance to another account and confirm the closure in writing. Most banks also close accounts free in the app, by phone or in a branch.
- Offer of reduced payments to a creditor when money is tight (UK)For a borrower or customer who cannot keep up with a loan, credit card, overdraft or bill after a change such as job loss, illness or a cut in income. The letter explains what has changed, offers a monthly payment you can afford and asks the creditor to accept it, freeze interest and charges, and confirm in writing. FCA rules require lenders to treat customers in financial difficulty with forbearance. Free debt advice is also available from MoneyHelper, StepChange and Citizens Advice anywhere in the UK, from National Debtline in Great Britain, and from Advice Direct Scotland and Advice NI. Send it by email and by first class post.
- Request for a copy of your credit agreement under the Consumer Credit Act (UK)For a borrower with a loan, credit card, store card or catalogue account regulated by the Consumer Credit Act 1974 who wants a copy of the agreement and a statement of the account. Under section 77 (fixed-sum credit such as a loan) or section 78 (running-account credit such as a credit card), the creditor must send them within 12 working days of a written request with a £1 fee; while it fails to, it cannot enforce the agreement. Send it with the fee, first class with a certificate of posting.
- Letter telling a company you have cancelled a Direct Debit or standing order (UK)For a customer who has cancelled a Direct Debit or standing order with their bank — usually in online banking, free and at once — and needs to tell the company it paid. Cancelling the payment does not end a contract or a debt, so the letter states your position: the contract has ended, you will pay another way, or you dispute the charges. Under the Direct Debit Guarantee, your bank refunds at once any payment taken in error. Send it by email and by first class post.
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