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Can you send a prove it letter at any time?
Comments
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Do CCA requests first.
They may not hold the correct paperwork which would strengthen your position to negotiate.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 -
sourcrates wrote: »Do CCA requests first.
They may not hold the correct paperwork which would strengthen your position to negotiate.
If they don't have the correct paperwork, do I mention anything about the fact they don't have the paperwork when I use this template?
https://www.nationaldebtline.org/EW/sampleletters/Pages/Full-and-final-settlement-offers-%28sole-name%29.aspx0 -
David-T-Rex wrote: »If they don't have the correct paperwork, do I mention anything about the fact they don't have the paperwork when I use this template?
https://www.nationaldebtline.org/EW/sampleletters/Pages/Full-and-final-settlement-offers-%28sole-name%29.aspx
Just send the letter, and adapt it as it applies to you.
You don't need to add anything, it's already specifically worded for the correct purpose.
Be aware, that it may take a creditor at least a couple of months to comply with your request, the 14 days mentioned, are just guidelines.
Until they do respond to you, the accounts have legal protection from court action.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 -
Fantastic, thanks for that.0
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