Unsecured Debt Dispute Letter - Ireland

The Debt Dispute / Proof of Authority letter is a front-page communication designed to create a clear written record when a collector or creditor asserts an unsecured debt. It states that the claim is disputed and requests documentation supporting liability, the enforceable terms being relied upon, the current owner entitled to enforce, and a complete itemization showing how the amount claimed was calculated. It also emphasizes accuracy expectations for any credit reporting and data processing while the dispute is unresolved. The purpose is organization and record integrity: to document what was disputed, what proof was requested, and how the recipient responded, so the file remains factual and consistent if collection activity continues or proceedings are threatened.

Instructions:

• Review the generated letter for accuracy against your own records before sending.
• Print the letter and handwrite the last four (or full) account number(s) in the designated account field(s) if needed for clarity.
• Sign the letter in Blue ink and keep a complete copy of everything you send.
• Prepare an envelope addressed to the collector/creditor at the address shown on their notice (and any additional address provided).
• Include a color copy of the blue ink signed debt dispute letter and a copy of the original debt collection notice.
• Mail using An Post Registered Post (or another tracked/signed service) so you have tracking and delivery confirmation.
• Retain the posting receipt, tracking number, and delivery confirmation with your copy of the letter.
• Log the mailing date, tracking number, and any responses received to keep your file organized.