Resolve call disputing proof of debt letter 17 August 2022 at 8:48AM in Credit file & ratings 8 replies 186 views

richwyatt

I downloaded a proof of debt letter, sent it to resoovecall they have now responded saying “unfortunately it has come to our attention that there are certain websites purporting to provide information which will allow users to avoid repayment or discussion of debts. It appears to be a letter of dispute but simply lists the regulations around disputed debt and does not explain why you are specifically disputing this debt. 

I believe it was quite clear on the letter that I did not recognise the debt and therefore require proof!! 

Any ideas on next steps would be gratefully received 

[Deleted User]

Which site did you use, what was the letter you sent?

A simple Prove It letter can be had from debt charities, though it's worth following a guide from a helpful site like this one from Debt Camel

If you're denying the debt then do check if it's not better to use statute barred letters if that applies.

richwyatt

Farfetch I sent them a letter downloaded from moneyadviceonline unfortunately I can’t post a link just yet as I’m a newbie 😃

it says pretty much the same thing? 

eskbanker

richwyatt said:

I believe it was quite clear on the letter that I did not recognise the debt and therefore require proof!! 

Any ideas on next steps would be gratefully received 

Send them another letter/email stating that you believe it was quite clear on the letter that you did not recognise the debt and therefore require proof?

[Deleted User]

richwyatt said:

Farfetch I sent them a letter downloaded from moneyadviceonline unfortunately I can’t post a link just yet as I’m a newbie 😃

it says pretty much the same thing? 

moneyadviceonline seems to be a company that makes money from debtors

The letter (linked here) is very clearly not the same and the number of references to legislation are why you got the response. 

Use the letter from a reputable site like Debt Camel and keep it simple denying the debt

eskbanker

Deleted_User said:

richwyatt said:

Farfetch I sent them a letter downloaded from moneyadviceonline unfortunately I can’t post a link just yet as I’m a newbie 😃

it says pretty much the same thing? 

moneyadviceonline seems to be a company that makes money from debtors

The letter (linked here) is very clearly not the same and the number of references to legislation are why you got the response. 

Use the letter from a reputable site like Debt Camel and keep it simple denying the debt

It's a poor letter but does prominently say "I would point out that I have no knowledge of any such debt being owed to CREDITOR" at the start, before wading into all the endless detail of FCA regulations.

It does risibly refer to "continuing to make unjustified demands for payment amounts to physical/psychological harassment", which instantly loses credibility, so, yes, there will be plenty of better templates available!

richwyatt

thanks all, I will send a better letter, I thought they all were similar, this debt has never been on my credit report which I have monitored closely over the past 8 years in order to get a mortgage! 

sourcrates

As far fetch says, its best to keep things simple, and not quote from old, irrelevant or out of date legislation.

A simple -

"I do not recognise the debt you have written to me about, please provide me with evidence of my liability for it within 28 days" thank you.

will suffice.

richwyatt

I have been forwarded a sample letter from National Debt helpline so I’ll use that