Check my rights · Money, credit & banking

Debt or balance you say is wrong

Separate “I cannot pay” from “I do not owe this amount” and build the account chronology.

Guided checkYour answers stay on this page2 minutes

Related guided checks

Does another part of the problem overlap?

Use a connected checker when the same facts also involve a second issue.

Credit-file default or arrears markerTest the reporting against the actual account chronology rather than focusing only on the credit score impact.Card purchase went wrongWork out whether Section 75, chargeback or both may be worth pursuing.Bank payment or scam disputeTake urgent protective steps, then identify whether the payment was unauthorised, induced by a scam or disputed for another reason.

Where has it reached?

Move to the next stage without losing the original issue.

They have repliedTest the reason, refusal or explanation they gave you.It remains unresolvedStructure, audit or escalate the complaint.You need outside reviewFind the correct ombudsman, regulator, appeal or court route.