Finally tackling old debts - advise needed

[Deleted User]

If you know you owe the debts, then why are you wasting your time and their time writing Prove-It letters and such?

Are you hoping to make more time lapse on the owed debts?

I don't see the outcome you're looking for by asking for them to prove it's yours when you already know it is?

If you want to make settlements then just contact them and make a settlement offer - or better yet just pay back what you owe knowing full well you do indeed owe it.

Stating that you want to pay as little as possible or none at all is not really the way to look at things - pay what you owe and learn from your mistakes.

cball93

Thanks for your input. I hear what your saying but drafting up a 'copy and paste' letter takes a few minutes of my time and so far this has saved me £230 and a default off my credit file. Well worth it in my eyes.

If it boils down to it and i do need to pay up, then i shall.

[Deleted User]

Just pay up, learn, and move on.

I don’t get why people offer immoral advice on here on how to debt-dodge.

If you owe it pay it!

cball93

"why are you wasting your time and their time writing Prove-It letters and such?"

Your may want to take your own advice when writing unsupportive replies.The sites called 'money saving expert' and thats exactly what im doing/trying to do - take your moral high ground elsewhere.

Have a good evening, sir

Red-Squirrel_2

cball93 wrote: »

"why are you wasting your time and their time writing Prove-It letters and such?"

Your may want to take your own advice when writing unsupportive replies.The sites called 'money saving expert' and thats exactly what im doing/trying to do - take your moral high ground elsewhere.

Have a good evening, sir

Nowhere on the site does Martin advise lying to try and get out of debt you owe.

msallen

cball93 wrote: »

Your may want to take your own advice when writing unsupportive replies.The sites called 'money saving expert' and thats exactly what im doing/trying to do - take your moral high ground elsewhere.

Ah that's your problem you've confused moneysavingexpert.com with howtorenegeonyourdebts.com

[Deleted User]

cball93 wrote: »

"why are you wasting your time and their time writing Prove-It letters and such?"

Your may want to take your own advice when writing unsupportive replies.The sites called 'money saving expert' and thats exactly what im doing/trying to do - take your moral high ground elsewhere.

Have a good evening, sir

Money saving is not debt dodging.

cball93

Thanks to everyone's advice (bar a few) on here i've saved £230 of sweet sweet cash. Keep it up gang, ill keep you updated on the rest