• The actual debt itself is in dispute in full.
• You have a counter claim against your creditor (i.e. they also owe you or your company money) that is the same/more than the sum that they say you owe them.
• The debt in question is a secured debt which uses as security property that has a value equal to or greater than the debt itself (but they can remove this first).
• The debt is for an “Unliquidated Amount”.
• The debt is over six years old from date of default (unless its Council tax / Inland Revenue or a debt from Dubai its 10 years)
• The debt is a Solicitors bill.
• The debt is a Consumer Credit Loan /Credit Card with No County Court Judgment.
• The debt is below the personal bankruptcy threshold of £5000.
• The debt is a personal loan from a friend with interest added.
• The debt falls outside of the British Commonwealth.

Warning!! Don’t think that if the value of the debt on the demand is incorrect. (debt £30,000. but you only accept £10,000. of the debt is owed ) and you put forward your defence on this basis to have the demand set aside, that will not happen!!.