How to dispute a credit debt
If a lender is chasing you for a debt, you may not be responsible for paying it back. Find out if you have to pay back a debt and what you can do if you don't think you owe the money.
This content applies to…
Sut i ddadlau ynghylch dyled
Overview of reasons why you may be able to dispute a debt, covering responsibility for a debt if you're under 18, a guarantor or catalogue agent, time limits for recovering a debt and whether a credit agreement is legally unfair.
Arwyddo cytundeb i fenthyg arian
Information on your responsibility for debts taken out by someone with the same name or falsely using your name (identity theft), joint debts, and the debts of someone who has died.
Fe arwyddoch chi gytundeb i fenthyg arian pan nad oeddech am wneud hynny
Information on whether you have to pay back a debt if you were pressured into taking it out against your will, or if you did not fully understand the responsibility for the debt, due to mental illness, impairment or learning difficulties.
Beth allwch chi ei wneud os nad ydych yn credu y dylech chi ad-dalu dyled
Information on how to dispute a debt you don't think you owe, covering complaining to the credit lender and the Financial Ombudsman Service and what to do if you are taken to court.
