Dutch law

Object to a debt collection demand

Disputes a collection agency demand, challenges the added costs and requires written proof of the claim.

Use this onefrom €2.36 incl. VAT

Fill in

Name of the collection agency
Reference or case number
The company said to be owed the money
Why you dispute the claim
Your name

Preview

Dear Sir or Madam, I have received a demand from [Name of the collection agency] under reference [Reference or case number], concerning an alleged debt said to be owed to [The company said to be owed the money]. I dispute this claim. My reasons are as follows: [Why you dispute the claim] Before any further step is taken, I require written evidence of the claim: a copy of the agreement or order on which it rests, copies of the invoices, a full statement of account showing every charge and every payment, and proof that [The company said to be owed the money] has assigned the claim to you or instructed you to collect it. Until I have received these, the claim remains unsubstantiated. I do not accept the collection costs, interest and administration fees added to the principal sum. Please set out how each of them has been calculated and on what basis you consider them payable. Please suspend all collection activity while this objection is dealt with, and do not report the matter to a credit reference agency in the meantime. I ask for a substantive reply within fourteen days. If none is received, I will make a formal complaint to the body that supervises your industry. Yours faithfully, [Your name]

Write or choose

Type your letter in the editor, pick a template, or let the assistant draft one from what you want to achieve.

Address and options

Fill in sender and recipient. We check the postcode against the rules of the destination country before you pay.

Pay and done

Pay by card or iDEAL. Your letter goes out the same or next working day and you can follow its status.

Everything you want to know

Do I have to take a collection agency's word that the debt is real?

No, the letter requires written evidence first: the underlying agreement, the invoices, a full statement of account, and proof the claim was actually assigned to the agency.

Can I stop them adding extra fees?

The letter refuses to accept collection costs, interest and administration fees until the agency explains how each one was calculated and on what basis it is payable.