As of 13 August 2026, AI can only partly respond to a debt collection letter.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the collection letter and redact unnecessary personal information, leaving the sender, creditor, account reference, balance, dates, contact details and any stated deadline visible.
   2. Gather your agreement, invoices, payment records, bank statements and previous correspondence that relate to the debt, and record which facts each document supports.
   3. Decide whether your aim is to dispute the debt, request evidence, correct the balance, confirm payment, or discuss an affordable arrangement, without accepting that the debt is owed.
   4. Paste the letter, your confirmed facts and your chosen aim into the prompt, then ask the chatbot to produce the fact check, missing-information list and draft response.
   5. Compare every name, account reference, date, balance and payment figure in the draft with the letter and your records, deleting anything the chatbot cannot support.
   6. Check any deadline and any statement about your rights against GOV.UK or ask a debt adviser or solicitor before sending if the amount is serious, the debt is disputed, or court action is mentioned.
   7. Send the checked response using the collector's recorded or traceable contact method, keep a copy of the message and attachments, and save proof of sending.

   Prompt

   Help me draft a response to a UK debt collection letter. This is drafting support, not professional advice. Do not decide that I owe the debt, tell me to admit liability, invent facts, or state that a debt is enforceable. First list the facts that are clear from the letter, the facts that are missing, and the points I must check against my records. Then draft a calm, concise letter that preserves my position and does not admit liability unless I explicitly say that I want to acknowledge the debt. Include only relevant requests, such as asking for the original creditor, account reference, itemised balance, dates, and documents supporting the debt. If I say the debt is inaccurate, already paid, not mine, or disputed, reflect that clearly without making a legal conclusion. If I want to discuss repayment, include a request to agree an affordable arrangement based only on the budget figures I provide. Flag any deadline shown in the letter and tell me to check it against an official UK source or a debt adviser. Use British English and plain language.
   
   Letter:
   [PASTE THE LETTER HERE, with unnecessary personal information redacted]
   
   My confirmed facts:
   [LIST WHAT YOU KNOW]
   
   What I want to achieve:
   [FOR EXAMPLE: dispute the debt, ask for evidence, correct the balance, or discuss an affordable payment]
   
   My proposed payment information, if relevant:
   [ADD ONLY FIGURES YOU HAVE CHECKED]
   
   Return the fact check, missing-information list, draft letter, and a short list of items I must verify before sending.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.