To

Mr. James Stewart

675, Spring Blvd

San Diego, CA

Date: 16-12-2011

Subject: Collection Dispute Letter

Dear Mr. Stewart

This letter is in reference to the notice that I received from your side. I have enclosed a copy of that letter along with this, because I think I don’t owe the money that you have referred in your letter.

Kindly verify your records and if it still shows I owe the money, then please send me following details: Debt amount, legal copy of debt documents with my signature and other detailed documents related with debt. Kindly also send the copies of ID proofs that were submitted along with loan documents.

Once I get the details from your end, only then it would be possible for me to take any action on your previous letter. I’ll appreciate a quick action and sort out this matter as soon as possible.

Yours’ sincerely

Adam Smith

San Diego

9383-37434-783443