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Disputing Debt
Likestobeclear
Posts: 2 Newbie
Hi
Was wondering if someone could give me some advice/provide a template letter.
My partner received a letter from a law firm on behalf of a debt collection company in relation to a debt they are claiming he owes and giving 14 days to pay or threatening legal proceedings.
He has never received any previous correspondence about this and can't remember taking out the loan. He has moved house a lot in the past but has been on the electoral role for 2 years now.
Therefore if he does owe it, it was also a long time ago (my thoughts are possibly statute barred).
What is the best letter to send back to them?
Many Thanks
Was wondering if someone could give me some advice/provide a template letter.
My partner received a letter from a law firm on behalf of a debt collection company in relation to a debt they are claiming he owes and giving 14 days to pay or threatening legal proceedings.
He has never received any previous correspondence about this and can't remember taking out the loan. He has moved house a lot in the past but has been on the electoral role for 2 years now.
Therefore if he does owe it, it was also a long time ago (my thoughts are possibly statute barred).
What is the best letter to send back to them?
Many Thanks
0
Comments
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Hi,
Send the "provit letter" in the first instance, available here :
https://forums.moneysavingexpert.com/discussion/2607247
Ignore there meaningless time scales, which companies are we talking about ?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 -
Hi Likestobeclear
Welcome to MSE. There is a sample letter your partner can use to ask the solicitor to prove the debt is his. https://forums.moneysavingexpert.com/discussion/2607247
If they can prove it is an old debt of his, you could be quite right that it might be statute barred. That usually means there must have been 6 years without a payment, written acknowledgement of the debt or CCJ. Good luck and keep us posted on the response to the letter.
Susie
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
Thank you.
It is from Moriarty Law Re: Motormile Finance UK Ltd.0 -
Likestobeclear wrote: »Thank you.
It is from Moriarty Law Re: Motormile Finance UK Ltd.
The biggest sharks in the pond that lot !!!!
Send the provit, see what they come back with, keep us updated.
MMF recently been carpeted by the FCA for bad debt collection practices.
They are having to pay redress of £154.000 to nearly 500.000 customers for historic errors in due diligence and bad practices, so don't take any carp off them.
https://www.fca.org.uk/news/press-releases/debt-purchaser-motormile-finance-agrees-redress-packageI’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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