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…
- England
- Northern Ireland
- Scotland
- Wales
How to dispute a debt
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.
Signing an agreement to borrow money
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.
You signed an agreement to borrow money when you didn't want to
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.
What can you do if you don't think you should pay back a debt
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.
