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That's a really useful post Fermi - is it a 'sticky' as it would be useful for others who find themselves in this situation.
Hi,
All that information is contained within the provit letter sticky yes, just keep scrollong down to find it.
Fermi compiled all this information a few years ago, as far as i am aware its mostly current and up to date, but if anyone is unsure of anything, please ask me, or Fatbelly or Di for clarification.
Thanks.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 -
Keep that letter safe - you don't know if they will sell the debt on to some other DCA who will chance their luck sometime in the future.
Yes, I have it filed.
Might even take a scan too so I have a digital copy.
The letter actually states:
"The above account has now been closed on our system, and neither we nor any other party will contact you at any point in the future, in relation to collecting an outstanding balance on this account"
Still, I trust them about as far as I can throw them so will keep all of the evidence safe just in case.0
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