How Do I Verify A Debt Is Mine?

What to ask for

To verify a debt, it helps to understand who the original creditor is, what the debt relates to, the amount claimed, and how that amount is made up. You can ask the collector to provide this information so you can identify the debt.

For a business debt, you might ask which contract, account, or invoices the claim relates to, and the dates involved. Clear details make it far easier to recognise a genuine debt and to spot anything that looks wrong.

At Merion we are happy to explain what a claim relates to. Ask us for details about your account.

How to request the information

A short written request works well. For example: "Please confirm the original creditor, what this debt is for, the outstanding amount, and how it is calculated." Putting it in writing creates a record and makes the request precise.

It is reasonable to ask for enough information to identify the debt with confidence. Taking a little time to gather and review what you receive is sensible before agreeing to pay.

Checking it against your records

Once you have the details, compare them with your own records: invoices, contracts, statements, emails, or accounting entries. Look at whether the supplier, amounts, and dates match what you have, and whether any payments you made are reflected.

For businesses, your bookkeeping and supplier correspondence are valuable here. If everything lines up, you can deal with the debt confidently. If it does not, you have grounds to ask further questions.

If something does not add up

If the information is incomplete, the debt is unfamiliar, or the figures do not match your records, you can dispute it and ask the collector to pause while it is investigated. You are entitled to clarity before paying.

This is general information only and not legal advice. For free, independent support, the National Debt Helpline on 1800 007 007 can help. You can also read what to do if a debt is not yours.