Sample letter

Request a copy of a personal guarantee from a bank or debt collection agency for a disputed debt (sole name)

​Use this letter to request a copy of a personal guarantee where you dispute that one has been signed. Only send this letter to a bank or debt collection agency. Contact us for advice before using this letter.

Letter in joint names

You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.
  • Fill in your contact details, account number and any extra information you want to include in the grey shaded areas.

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  • Sign each letter and enclose a copy of your budget if needed.

25 November 2020

Dear Sir/Madam

Account No:

You have contacted me regarding the account with the above reference number, which you claim I owe because of a signed personal guarantee.

I have no knowledge of signing a personal guarantee and as such dispute any personal liability for this debt.

I am familiar with the Financial Conduct Authority's (FCA) Consumer Credit sourcebook which states the following.

"A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3

"A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1

"Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3

If you do not stop collection activity whilst investigating my dispute, you are breaking the FCA’s rules and guidance.

Also, ignoring claims that debts have been settled or are disputed and continuing to make unjustified demands for payment is harassment.

Please do not make any further contact about the above accounts unless you can provide evidence of my liability for the debt in question, including a copy of any personal guarantee you claim I have signed.

I await your written confirmation that this matter is closed. Otherwise I will have no option but to make a complaint to my local trading standards department and consider informing the FCA of your actions.

I look forward to hearing from you.

Yours faithfully