You've had a bill or payment demand you weren't expecting
Before paying anything, check who the demand is from and what it says it relates to. Compare it with your own records and any earlier letters or bills from the same organisation.
If it does not look right, query it in writing and ask for a breakdown of the amount. Paying first and arguing later is usually harder than asking the question now.
Where the demand carries a date, note it and work back from it. If it mentions court action or enforcement, treat the timing as urgent and consider free advice straight away.
Give this to Feoh
Answer a few questions and Feoh works out the next step, lists the evidence to keep and writes the message for you to send.
Check this demand with FeohWhat to gather first
- The demand itself and its reference number
- Your own records of what you have paid
- Any earlier bills or letters from the same organisation
- The date they have asked for payment by
What to do
- 1Check the sender and what the demand says it relates to.
- 2Compare the amount with your own records.
- 3Query anything that looks wrong in writing, asking for a breakdown.
- 4Note the deadline and keep a copy of your query.
- 5If it mentions enforcement or court, get free advice quickly rather than waiting.
Questions people ask
- Should I pay a demand I don't recognise?
- Check it first. Ask the organisation in writing for a breakdown of the amount and what it relates to, and compare it with your own records before paying.
- What if I think it isn't mine?
- Say so in writing, ask them to explain how they have linked the account to you, and keep their reply. Do not ignore a demand that carries a deadline.
Other problems Feoh helps with
- Parcel says delivered but you haven't received it
- A company has refused your refund
- Charged after you cancelled
Feoh helps you organise and act on everyday admin problems. It isn't a law firm, debt adviser or regulated financial adviser. Nothing is sent to anyone unless you send it yourself.