Document background
The Debt Validation Letter is a crucial tool in debt dispute resolution under English and Welsh jurisdiction. It is typically used when a debtor needs to verify the legitimacy of a debt, questions the amount owed, or requires detailed documentation about the debt's origin and current status. This document becomes particularly relevant when dealing with debt collectors, facing unexpected debt claims, or when debt has been sold or transferred between creditors. The letter must comply with the Consumer Credit Act 1974 and FCA regulations, and typically includes requests for original credit agreements, detailed account statements, and proof of the creditor's right to collect the debt.
