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Call 0808 808 4000 and get help with your debts.
Use this letter to dispute liability if your lender has not contacted you for over 12 years, and you have not made a payment or written acknowledgment during this period. You can find more information about how to use this letter in our Mortgage shortfalls fact sheet.
You can choose to send a letter in your own name or in joint names. You may have a debt in joint names, or want to write to your creditors together because you have worked out a joint budget.
27th September 2023
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