The proof, when and if it comes, should be enough of the following list to prove that you do (or did) owe the money, or indeed indicate that it is somebody else who is the Debtor: If you send a letter, keep a copy of this letter and send it recorded delivery. I suggest that you don’t include your telephone number in this letter – dealing with this sort of thing by mail or email is less stressful. Only use this if you are absolutely convinced about this. The second one is a stronger version if you are sure that you have never dealt with that firm. This would be appropriate if you once had a phone contract with X or a credit card from Y but you think the accounts were settled and you don’t owe anything. One says that you have no knowledge that there is a debt. There are two options in the following template. Send a Prove It letterīut if you don’t think the debt was ever yours, or you are unsure and it isn’t likely to be close to six years old, then you should write a “Prove it!” letter to the debt collector. If there is a CCJ for a debt you do not recognise, that article explains how to find out more information about it. You can see if there has been a CCJ issued in the last six years by checking your credit records. Perhaps the court papers went to a previous address or you ignored them? Here the Prove It letter below is not appropriate. Read What to do if you get a Claim Form and contact National Debtline as soon as possible if you are unsure If the letter says there is already a CCJ Don’t ignore court papers, or you will get a CCJ. Here you don’t have time to send a Prove It letter as there are tight timescales to enter a defence. But if letters continue to come, write and ask for details of the alleged creditor. In this case you could decide to just ignore it. See Reunite or Prime Location Services – contacting you about a debt for an example. Sometimes debt tracing firms send out a very vague letter, just inviting you to get in contact. The letter has no details about the debt at all Instead you need to dispute the debt with the original creditor and tell the debt collector that you are doing this. There is no point in arguing with a debt collector about whether you have been billed for water after you left the property, they won’t have the details. This could commonly be for a utility bill for a previous address, or a mobile bill from a previous provider. The time limit for recovering the debt may have run out, so you need to find out more about Statute-Barred Debt and talk to National Debtline You are sure the debt was settled with the original creditor If it is more than six years since you last made a payment to it, then you need to talk to a specialist debt advisor, not reply to the creditor. NB this is meant for when the letter clearly isn’t for you – not if it has your maiden name or the name is slightly mis-spelled.Įven if the letter has your address, it is not intended for you. Going to the Ombudsman – which Ombudsman?īefore you send a Prove It letter, check if any of the following circumstances applies, as there are better options for you in these situations.If the letter says there is already a CCJ. The letter has no details about the debt at all.You are sure the debt was settled with the original creditor.You know what the debt is and it is old.The letter is addressed to someone else.
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