Letter To Debt Collector (Old Debt)

Important: This letter can be used as a guide. You must insert your own details where appropriate and delete any information that is not relevant to your situation. Always date your letters. Always keep a copy of the letter you send. Get legal advice if you do not understand.

[Write your name and address here]

Date:

[Write debt collectors/solicitor's/
lender's address here]Dear Sir/Madam

RE: [client name]

Alleged Debt to [name of lender]
Account No. XXXXX

We refer to your correspondence of [date].

We are assisting [client name] in this matter.

Our client disputes owing the alleged debt you are seeking to recover from him/her on the basis it is statute barred pursuant to section 14 of the Limitation Act 1969 (NSW).

The debt is statute barred because [choose the appropriate option] (i) his/her last payment on the loan (ii) the last time s/he acknowledged owing the debt (iii) the date the debt arose occurred over 6 years ago.

We request the following information in relation to the alleged debt:
1) Copies of all account statements from [date] to the present
2) Copies of any judgment (if applicable)

We assume you will not take any further action for 28 days after the information and documents requested have been provided to us. If this is not correct please advise me in writing immediately.

Furthermore, should you continue to harass my client in relation to this matter s/he may make a formal complaint to the Australian Competition & Consumer Commission and/or the Australian Securities and Investments Commission.

Yours faithfully,

[Name and position]

Warning: This letter is information only and should not be relied upon as legal advice.