[YOUR ADDRESS]
[POSTCODE]

[DATE]

[DEBT BUYER / DEBT COLLECTION COMPANY NAME]
[THEIR ADDRESS]
[POSTCODE]

ACCOUNT / REFERENCE: [INSERT ALL REFERENCE NUMBERS — DO NOT INCLUDE ANY ACCOUNT ALREADY SUBJECT TO A CCJ]

NOTICE OF CONDITIONAL ACCEPTANCE

FORMAL DISPUTE OF ALLEGED ASSIGNMENT AND REQUEST FOR PROOF OF TITLE

Dear Sir/Madam,

Thank you for your correspondence dated [DATE], the contents of which are noted but not accepted.

For the avoidance of doubt, I do not admit liability for the alleged debt. Nothing in this letter is to be treated as an acknowledgement of liability, a payment proposal, or a waiver of any rights, remedies, limitation defence, statutory protection, or procedural objection available to me.

Your company appears to allege that it has acquired rights in respect of the above account by assignment. I conditionally accept your right to make such a claim upon strict proof that a valid assignment has taken place and that any notice of assignment relied upon was properly served.

At present, I do not have sufficient evidence that:

1. the alleged debt was validly assigned to your company;

2. the assignment was executed correctly by the alleged assignor;

3. the account allegedly assigned includes my specific account;

4. any Notice of Assignment was actually sent or served on me;

5. your company has legal title, rather than merely an equitable or administrative interest;

6. payment to your company would give me good discharge of any alleged liability.

Accordingly, the account is formally disputed.

Please now provide the following documents and evidence.

1. Assignment Instrument / Deed / Sale Agreement

Please provide a copy of the assignment instrument relied upon. This may be a redacted copy, provided that the redactions do not prevent me from identifying or verifying the following:

1. the name of the assignor;

2. the name of the assignee;

3. the date of assignment;

4. the operative clause by which the rights were allegedly assigned;

5. whether the assignment was absolute or by way of charge only;

6. whether the assignment is relied upon as legal or equitable;

7. the schedule, portfolio extract, data tape extract, or other identifying material showing that my specific alleged account was included in the assignment;

8. the consideration date, completion date, or effective transfer date relied upon;

9. any exclusions, conditions precedent, repurchase terms, or limitations affecting the alleged assignment.

A generic statement that the account was “purchased” or “assigned” is not sufficient proof of title.

2. Execution of the Assignment

Please provide the execution pages of the assignment document, including all signature blocks and attestation clauses relied upon.

If the assignor was a company, please provide tape extract, or other identifying material evidence showing that the assignment document was validly executed by or on behalf of that company, including:

1. the name and capacity of each signatory;

2. whether each signatory signed as director, company secretary, authorised signatory, attorney, or other capacity;

3. whether the document was executed by two authorised signatories;

4. whether the document was executed by a single director in the presence of a witness;

5. if executed under seal, evidence that the seal was properly affixed and attested;

6. if executed by attorney, a copy of the relevant power of attorney or authority relied upon;

7. if executed electronically, the audit trail and evidence of authority for electronic execution;

8. if the document was intended to take effect as a deed, evidence that it was executed and delivered as a deed.

If you are unable to provide the execution pages, please explain how you intend to prove that the assignment was validly executed and enforceable.

3. Chain of Assignment

If there has been more than one assignment, please provide the same evidence for each assignment in the chain.

This includes, for each alleged assignment:

1. he assignor;

2. the assignee;

3. the date of assignment;

4. the operative assignment clause;

5. the execution pages;

6. the account-identifying schedule or extract;

7. the Notice of Assignment allegedly sent to me;

8. evidence of service of that notice.

If you cannot prove the complete chain of title, please confirm whether you accept that your company cannot presently prove legal standing to enforce the alleged debt.

4. Notice of Assignment

Please provide a copy of every Notice of Assignment relied upon.

For each notice, please also provide evidence of service, including:

1. the date the notice was generated;

2. the date the notice was sent;

3. the exact address to which it was sent;

4. the method of service used;

5. proof of posting, certificate of posting, mail-house record, Royal Mail record, courier record, or equivalent dispatch evidence;

6. any system notes or audit logs showing the notice was produced and sent;

7. the identity of the party who sent the notice;

8. whether the notice was sent by the original creditor, the alleged assignee, or an agent;

9. if sent by email, the email address used, sending log, delivery log, and basis upon which email service is said to be valid;

10. if you rely on deemed service, the precise legal basis and evidence supporting it.

A template copy of a Notice of Assignment is not sufficient. I require evidence that the notice relied upon was actually sent or served on me.

5. Legal or Equitable Assignment

Please state clearly whether you allege that your company holds:

1. a legal assignment under section 136 of the Law of Property Act 1925; or

2. an equitable assignment only.

If you allege a legal assignment, please explain how you say the alleged assignment satisfies all required elements, including:

1. an absolute assignment;

2. in writing;

3. signed by or on behalf of the assignor;

4. express notice in writing given to the debtor.

If you allege only an equitable assignment, please confirm the basis on which your company says it may demand payment or issue proceedings in its own name without joining the original creditor or proving authority from the original creditor.

6. Good Discharge

Please confirm how payment to your company would give me good discharge of any alleged liability.

If the original creditor has not confirmed the assignment, or if you cannot produce a properly executed assignment document and evidence of service of the Notice of Assignment, please explain how I can be satisfied that payment to your company would extinguish any alleged liability to the original creditor.

7. Account to Remain on Hold

Until you provide the documents and evidence requested above, the account remains formally disputed.

You must not continue collection activity, issue threats of proceedings, pass the account to another third party, add unsupported charges, instruct solicitors, or report unsupported adverse data to credit reference agencies while this dispute remains unresolved.

If any credit reference agency entry is already being reported, it must be marked as disputed pending proper proof of assignment and proof of service of any Notice of Assignment relied upon.

8. Communication in Writing Only

I require all future communication to be in writing only.

You do not have my consent to contact me by telephone, text message, automated call, or doorstep visit.

Please provide the requested documents within 14 days. If you are unable or unwilling to provide any document, please confirm this in writing and explain why it is unavailable.

For clarity, this letter is a genuine request for proof of title and service. It is not a refusal to engage. I will review any proper evidence you provide.

Yours faithfully,

[YOUR FULL NAME]
Typed name only

[YOUR ADDRESS]
[POSTCODE]

[DATE]

[DEBT BUYER / DEBT COLLECTION COMPANY NAME]
[THEIR ADDRESS]
[POSTCODE]

ACCOUNT / REFERENCE: [INSERT ALL REFERENCE NUMBERS — DO NOT INCLUDE ANY ACCOUNT ALREADY SUBJECT TO A CCJ]

SECOND NOTICE

ACCOUNT REMAINS FORMALLY DISPUTED

FAILURE TO PROVIDE PROOF OF ASSIGNMENT, EXECUTION AND SERVICE

Dear Sir/Madam,

I write further to my previous letter dated [DATE OF FIRST LETTER], in which I formally disputed the above alleged account and requested documentary evidence of your alleged title to enforce, including the assignment instrument, execution pages, account-identifying schedule or extract, and evidence of service of any Notice of Assignment relied upon.

To date, you have failed to respond substantively.

Alternatively, your response dated [DATE OF THEIR RESPONSE] does not provide the documents requested and does not prove that:

1. the alleged debt was validly assigned to your company;

2. the alleged assignment was properly executed by or on behalf of the assignor;

3. my specific alleged account was included in the assignment;

4. a Notice of Assignment was actually sent or served on me;

5. your company holds legal title to the alleged debt;

6. payment to your company would give me good discharge of any alleged liability.

For the avoidance of doubt, I do not admit liability for the alleged debt. Nothing in this letter is to be treated as an acknowledgement of liability, a payment proposal, or a waiver of any rights, remedies, limitation defence, statutory protection, or procedural objection available to me.

The account remains formally disputed.

1. Failure to Prove Assignment

Your company appears to rely on an alleged assignment. However, you have not provided the assignment document, deed, sale agreement, transfer instrument, or properly redacted extract sufficient to evidence the alleged transfer of rights.

A statement that the account has been “assigned”, “purchased”, “transferred”, or “passed to us” is not proof of assignment.

Please provide the assignment instrument relied upon, including:

1. the name of the assignor;

2. the name of the assignee;

3. the date of assignment;

4. the operative assignment clause;

5. whether the assignment was absolute or by way of charge only;

6. whether the assignment is relied upon as legal or equitable;

7. the schedule, portfolio extract, data tape extract, or other account-identifying material showing that my specific alleged account was included;

8. any relevant conditions, limitations, exclusions, repurchase terms, or restrictions affecting the alleged assignment.

You may redact commercially sensitive pricing information or unrelated third-party data, provided the redactions do not prevent verification of the assignment, the parties, the date, the operative clause, the account identification, and the basis upon which you claim title.

2. Failure to Prove Proper Execution

You have not provided the execution pages of the assignment document.

If the alleged assignor was a company, please provide evidence that the assignment document was properly executed by or on behalf of that company, including:

1. the execution page or signature block;

2. the names and capacities of the signatories;

3. whether the signatories signed as directors, company secretary, authorised signatories, attorneys, or otherwise;

4. whether the document was executed by two authorised signatories;

5. whether it was executed by a single director in the presence of a witness;

6. whether it was executed under seal;

7. where execution was by attorney, the relevant power of attorney or authority relied upon;

8. where execution was electronic, the audit trail and evidence of authority for electronic execution;

9. where the document was intended to take effect as a deed, evidence that it was executed and delivered as a deed.

If you are unable or unwilling to provide the execution pages, please confirm this in writing and explain how you intend to prove valid execution of the alleged assignment.

3. Failure to Prove Service of Notice of Assignment

You have not provided evidence that any Notice of Assignment was actually served on me.

A template notice, reconstructed notice, internal note, or bare assertion that a notice was sent is not sufficient.

Please provide:

1. a copy of the actual Notice of Assignment relied upon;

2. the date it was generated;

3. the date it was sent;

4. the address to which it was sent;

5. the method of service used;

6. proof of posting, certificate of posting, mail-house record, Royal Mail record, courier record, or equivalent dispatch evidence;

7. any system notes, audit logs, batch records, or mail production records showing that the notice was produced and sent;

8. the identity of the party who sent the notice;

9. confirmation of whether the notice was sent by the original creditor, the alleged assignee, or an agent;

10. if sent by email, the email address used, the sending log, delivery log, and the basis upon which email service is said to be valid;

11. if you rely on deemed service, the precise legal basis and evidence relied upon.

Until you provide evidence that notice was actually given, you have not established the basis upon which you claim a legal assignment.

4. Legal or Equitable Assignment

Please state clearly whether you allege that your company holds:

1. a legal assignment; or

2. an equitable assignment only.

If you allege a legal assignment, please explain how you say each required element has been satisfied, including:

1. an absolute assignment;

2. in writing;

3. signed by or on behalf of the assignor;

4. express notice in writing given to the debtor.

If you allege only an equitable assignment, please confirm the basis on which your company claims entitlement to demand payment, report data, instruct third parties, or issue proceedings in its own name without joining the original creditor.

5. Chain of Title

If there has been more than one assignment, you must provide the same evidence for each assignment in the chain.

This includes, for each alleged assignment:

1. the assignment instrument or properly redacted extract;

2. the execution pages;

3. the parties to the assignment;

4. the date of assignment;

5. the operative assignment clause;

6. the account-identifying schedule or extract;

7. the Notice of Assignment allegedly sent to me;

8. evidence of service of that notice.

If you cannot prove the complete chain of title, please confirm whether you accept that your company cannot presently prove standing to enforce the alleged account.

6. Account Must Remain on Hold

Until the requested documents are provided, the account remains formally disputed.

You must not:

1. demand payment;

2. threaten legal proceedings;

3. instruct solicitors;

4. pass or sell the account to another third party;

5. add unsupported interest, costs, or charges;

6. make or continue adverse credit reference agency reporting without marking the account as disputed;

7. make telephone calls, send text messages, or attempt doorstep contact;

8. imply that liability or title has been proven when it has not.

If you have already reported adverse data to credit reference agencies, you must ensure the account is marked as disputed pending resolution of this matter.

7. Required Response

Please provide the requested documents within 14 days of the date of this letter.

If you are unable or unwilling to provide the assignment document, execution pages, account-identifying schedule or extract, and evidence of service of the Notice of Assignment, please confirm this clearly in writing.

If you maintain that you are entitled to continue collection activity without providing those documents, please identify the precise legal and regulatory basis upon which you rely.

If you intend to issue proceedings, please confirm that you will first provide the documents requested and comply fully with all applicable pre-action requirements. If proceedings are issued without proper proof of assignment, execution, service, and title, I will draw this correspondence to the court’s attention on the issues of conduct, disclosure, standing, pre-action compliance, and costs.

For clarity, I remain willing to review any proper evidence you provide. However, I will not make payment, enter into any payment arrangement, or discuss settlement while the alleged assignment and your alleged title remain unproven.

All future communication must be in writing only.

Yours faithfully,

[YOUR FULL NAME]
Typed name only

[YOUR ADDRESS]
[POSTCODE]

[DATE]

[DEBT BUYER / DEBT COLLECTION COMPANY NAME]
[THEIR ADDRESS]
[POSTCODE]

ACCOUNT / REFERENCE: [INSERT ALL REFERENCE NUMBERS — DO NOT INCLUDE ANY ACCOUNT ALREADY SUBJECT TO A CCJ]

THIRD AND FINAL NOTICE

FORMAL COMPLAINT

FAILURE TO PROVE ASSIGNMENT, EXECUTION, SERVICE AND TITLE TO ENFORCE

Dear Sir/Madam,

I write further to my previous letters dated [DATE OF FIRST LETTER] and [DATE OF SECOND LETTER].

In those letters I formally disputed the above alleged account and requested documentary evidence of your alleged title to enforce, including:

1. the assignment instrument, deed, sale agreement, transfer instrument, or properly redacted extract relied upon;

2. the execution pages and evidence of valid execution by or on behalf of the assignor;

3. the schedule, portfolio extract, data tape extract, or other identifying material showing that my specific alleged account was included in the alleged assignment;

4. the Notice of Assignment allegedly relied upon;

5. evidence that any Notice of Assignment was actually sent or served on me;

6. confirmation of whether you allege legal assignment or equitable assignment;

7. evidence that payment to your company would give me good discharge of any alleged liability.

To date, you have failed to provide the documents requested.

Alternatively, your response dated [DATE OF THEIR RESPONSE] does not answer the substance of my dispute and does not prove assignment, valid execution, service of notice, chain of title, or your legal standing to demand payment.

For the avoidance of doubt, I do not admit liability for the alleged debt. Nothing in this letter is to be treated as an acknowledgement of liability, a payment proposal, a settlement offer, or a waiver of any rights, remedies, statutory protections, limitation defence, procedural objection, or evidential objection available to me.

The account remains formally disputed.

1. This Is Now a Formal Complaint

This letter is now to be treated as a formal complaint.

My complaint is that your company has pursued, or continues to pursue, an alleged debt while failing to provide proof that:

1. your company has validly acquired the alleged account;

2. the alleged assignment was properly executed;

3. the alleged assignment included my specific account;

4. any Notice of Assignment was actually served on me;

5. your company has legal standing to demand payment or threaten enforcement;

6. payment to your company would discharge any alleged liability.

You are required to investigate this complaint properly and respond in writing.

2. Failure to Prove Assignment

You have not provided the assignment document relied upon.

A bare assertion that the account was “assigned”, “purchased”, “transferred”, “sold”, or “passed to us” is not proof of assignment.

If you maintain that an assignment exists, please provide a copy of the relevant assignment instrument, deed, sale agreement, transfer instrument, or properly redacted extract sufficient to show:

1.the assignor;

2. the assignee;

3. the date of assignment;

4. the operative assignment clause;

5. whether the assignment was absolute or by way of charge only;

6. whether the assignment is alleged to be legal or equitable;

7. the schedule, portfolio extract, data tape extract, or other identifying material showing that my specific alleged account was included;

8. any conditions, exclusions, limitations, repurchase provisions, or restrictions affecting the alleged assignment.

You may redact genuinely confidential commercial pricing information and unrelated third-party data, provided the redactions do not prevent verification of the parties, date, operative clause, account identification, and basis of title.

3. Failure to Prove Proper Execution

You have not provided the execution pages of the alleged assignment.

If the alleged assignor was a company, please provide the signature and execution pages showing how the document was executed, including:

1. the names and capacities of all signatories;

2. whether each person signed as director, company secretary, authorised signatory, attorney, or other capacity;

3. whether the document was executed by two authorised signatories;

4. whether it was executed by a single director in the presence of a witness;

5. whether it was executed under seal;

6. whether execution was by attorney and, if so, the power of attorney or written authority relied upon;

7. whether execution was electronic and, if so, the audit trail and authority for electronic execution;

8. if the document was intended to take effect as a deed, evidence that it was executed and delivered as a deed.

If you cannot produce the execution pages, please confirm whether you accept that you cannot presently prove valid execution of the alleged assignment.

4. Failure to Prove Service of Notice of Assignment

You have not provided evidence that any Notice of Assignment was actually served on me.

A template notice, reconstructed notice, internal note, or assertion that a notice was sent is not sufficient.

Please provide:

1. a copy of the actual Notice of Assignment relied upon;

2. the date it was generated;

3. the date it was sent;

4. the address to which it was sent;

5. the method of service used;

6. proof of posting, certificate of posting, mail-house record, Royal Mail record, courier record, or equivalent dispatch evidence;

7. any system notes, audit logs, batch records, or mail production records showing that the notice was produced and sent;

8. the identity of the party who sent the notice;

9. confirmation of whether the notice was sent by the original creditor, the alleged assignee, or an agent;

10. if sent by email, the email address used, sending log, delivery log, and the basis upon which email service is said to be valid;

11. if you rely on deemed service, the precise legal basis and evidence relied upon.

Until you provide evidence that express notice in writing was actually given to me, you have not established the basis upon which you claim a legal assignment.

5. Legal Assignment or Equitable Assignment

Please state clearly whether your company alleges that it holds:

1. a legal assignment; or

2. an equitable assignment only.

If you allege a legal assignment, please explain how each required element has been satisfied, including:

1. an absolute assignment;

2. in writing;

3. signed by or on behalf of the assignor;

4. express notice in writing given to the debtor.

If you allege only an equitable assignment, please confirm the basis on which you say your company is entitled to demand payment, report data, instruct third parties, or issue proceedings in its own name without joining the original creditor.

6. Chain of Title

If there has been more than one assignment, you must provide proof of each assignment in the chain.

For each alleged assignment, please provide:

1. he assignment instrument or properly redacted extract;

2. the execution pages;

3. the parties to the assignment;

4. the date of assignment;

5. the operative assignment clause;

6. the account-identifying schedule or extract;

7. the Notice of Assignment allegedly sent to me;

8. evidence of service of that notice.

If you cannot prove the complete chain of title, please confirm that you cannot presently prove standing to enforce the alleged account.

7. Data Reporting and Third-Party Escalation

While this matter remains disputed and unproven, you must not represent the alleged account as undisputed.

If you are reporting data to any credit reference agency, you must ensure that the account is marked as disputed pending resolution.

If you have passed the account to any third party, collection agent, tracing agent, solicitor, or litigation department, you must notify them that the account is formally disputed and that proof of assignment, execution, service, and title remains outstanding.

You must not sell, transfer, escalate, or reassign the alleged account while this complaint remains unresolved unless the recipient is expressly informed in writing that the account is disputed and that proof of title has not been provided.

8. Required Resolution

To resolve this matter, please do one of the following:

1. provide the assignment document, execution evidence, account-identifying schedule or extract, Notice of Assignment, and evidence of service; or

2. confirm in writing that you are unable to provide the requested documents and that collection activity will cease unless and until proper evidence is available; or

3. close your file and confirm that no further collection activity, adverse reporting, sale, transfer, or legal action will take place in relation to this disputed alleged account.

If you reject this complaint, your final response must explain precisely how you say your company has proven assignment, valid execution, service of notice, chain of title, and legal standing without providing the documents requested.

9. Notice Regarding Proceedings

If you issue or threaten proceedings without first providing proper proof of assignment, execution, service, and title, I will draw this correspondence to the court’s attention on the issues of:

1. standing;

2. proof of title;

3. disclosure;

4. pre-action conduct;

5. reasonableness;

6. costs;

7. whether any claim was issued prematurely while a genuine dispute remained unresolved.

I also reserve the right to rely on this correspondence in any complaint to the Financial Ombudsman Service, the Information Commissioner’s Office, Trading Standards, the Financial Conduct Authority, or any other relevant body.

10. Communication in Writing Only

All future communication must be in writing only.

You do not have my consent to contact me by telephone, text message, automated call, or doorstep visit.

Please acknowledge this formal complaint promptly and provide your written response.

For clarity, I remain willing to review any proper evidence you provide. However, I will not make payment, enter into any payment arrangement, or discuss settlement while the alleged assignment and your alleged title remain unproven.

Yours faithfully,

[YOUR FULL NAME]
Typed name only