Subject: Disputing a claim — [CREDITOR NAME], reference/invoice number
[NUMBER]

I dispute the claim [IN FULL / IN THE FOLLOWING PARTS: WHICH PARTS].

Grounds: [CHOOSE AND COMPLETE: the claim was paid on [DATE] (receipt
attached) / I have not ordered the product or service in question / the
invoice amount is incorrect, the correct amount is [SUM] / the claim is
time-barred / other grounds].

As the claim has been disputed, I demand that its voluntary collection be
suspended in accordance with section 4 b of the Debt Collection Act
(513/1999). A disputed claim may not be reported as a payment default entry
either.

I request a written, reasoned reply within 14 days.

[DATE]
[NAME, ADDRESS]