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Disputing a bill checklist

Most disputes get resolved by the provider directly — keep everything in writing, since that's what the next stage needs if this one doesn't work.

19 items

Makes your own editable copy. No account needed.

The items

  1. Bill checked line by line against what was actually used or agreed
  2. Evidence gathered
  3. Previous bills
  4. Meter readings or usage records
  5. The original contract or agreement
  6. Any earlier correspondence about the same issue
  7. Provider contacted
  8. Complaint raised in writing
  9. Reference number kept
  10. Response timeframe notedCheck the current rules or the provider's own complaints process.
  11. Payment on the disputed amount discussed with the providerDon't simply withhold payment without agreement — check the current rules on what's safe to do.
  12. Every call and email kept in writingDates, names and what was actually said.
  13. Formal complaint made, if the first contact doesn't resolve it
  14. Ombudsman or official complaints body consideredCheck the current rules on eligibility and how long you have to raise it.
  15. Credit file checked for anything the dispute might have affected
  16. Direct debit or standing order reviewedPaused or adjusted, depending on what's been agreed with the provider.
  17. Response deadline tracked
  18. Outcome confirmed in writing once it's resolved
  19. Refund or credit checked against what was actually agreed

Makes your own editable copy. No account needed.

Questions people ask

Should I just stop paying the disputed amount?
Not without agreeing it with the provider first — check the current rules on what's safe to withhold, since stopping payment unilaterally can cause its own problems.
How long does a provider have to respond?
It varies by provider and by what's being disputed — check the current rules or the provider's own complaints process for the timeframe that applies.
What if the provider won't change their position?
Escalate to a formal complaint, then to an ombudsman or official complaints body if that still doesn't resolve it. Check the current rules on eligibility and timing.