When it makes sense to dispute
- You don't recognise the debt at all.
- You think the amount is wrong.
- You believe you've already paid it.
- It isn't yours (for example, mistaken identity).
- Something about it just doesn't add up.
How to raise it
The quickest way is to reply to the text or email we sent you. Or email hello@debtcentral.co and include:
- Your name.
- The reference number from the message we sent you.
- A sentence or two on what you think is wrong.
You don't need to be formal about it — plain language is perfectly fine.
What happens next
We pause collection. As soon as you raise a genuine dispute, we stop reminders and hold everything where it is.
We check it properly. We go back to the business that engaged us and confirm the details and any records.
We come back to you. Usually within a few business days, we'll let you know what we found.
We put it right. If it was a mistake, it's closed — done. If the debt stands, we'll explain clearly why, with the evidence, and help you sort it out from there.
🔒 While a genuine dispute is being checked, there are no further reminders and nothing escalates. You won't be penalised for asking a fair question.
Not sure where you stand? Read your rights.