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Quick question about "Prove it" letter
gemando
Posts: 50 Forumite
I'm writing a prove it letter as Lowell are chasing me for an old (about 5 years I think) debt that Im not convinced I owe, however I just have a quick question about which company I put in the "CREDITOR" bit on the template in here https://forums.moneysavingexpert.com/discussion/2607247. Is it Lowell or the water company I (supposedly) originally owed the money to? So it would read "I would point out that I have no knowledge of any such debt being owed to Lowell" or "I would point out that I have no knowledge of any such debt being owed to [water company]."?
Also, minor side rant, if I owed the water company money why didnt they contact me at the time? They knew I was moving out of that address as I told them so they should have phoned/emailed me! I haven't changed my number since then as far as I remember. So annoying! I'm tempted to send a complaint about that. I would have paid at the time had I know I owed them money (again, assuming I actually do).
Also, minor side rant, if I owed the water company money why didnt they contact me at the time? They knew I was moving out of that address as I told them so they should have phoned/emailed me! I haven't changed my number since then as far as I remember. So annoying! I'm tempted to send a complaint about that. I would have paid at the time had I know I owed them money (again, assuming I actually do).
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Comments
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Original creditor is who you should name.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Okay, thanks
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Forgot to ask, should I include the credit reference paragraphs? They haven't mentioned anything about it in their letter but I don't want this affecting my credit rating if its not legitimate.0
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