Advice on sending a prove it letter?

stu12345_2

could you amend that bit and write I have no knowledge of any debt being owed or any contract being owed to any unknown creditor 

Macka09

stu12345_2 said:

could you amend that bit and write I have no knowledge of any debt being owed or any contract being owed to any unknown creditor 

I could do but one of the replies above states not to change anything at all?

I’m only questioning it because it doesn’t sound right to me and I want to make sure it’s done correctly. 

stu12345_2

Macka09 said:

stu12345_2 said:

could you amend that bit and write I have no knowledge of any debt being owed or any contract being owed to any unknown creditor 

I could do but one of the replies above states not to change anything at all?

I’m only questioning it because it doesn’t sound right to me and I want to make sure it’s done correctly. 

as the template letter states I have no knowledge of any debt or contract with such and such creditor.

but as you have not been given the name of the creditor, I don't see how you can name that creditor in question, thus the only way I see it is to put down " unknown creditor"

doing so means you are still not admitting to the debt and  hence covering yourself from any admission 

sourcrates

Macka09 said:

stu12345_2 said:

could you amend that bit and write I have no knowledge of any debt being owed or any contract being owed to any unknown creditor 

I could do but one of the replies above states not to change anything at all?

I’m only questioning it because it doesn’t sound right to me and I want to make sure it’s done correctly. 

You`re not changing anything, you simply pick one or the other, its multiple choice, delete the one you don`t use, simples.

This is why we say "edit it to your own circumstances".

Macka09

Hi guys
After sending the prove it letter I have ahead no response? 

Although I have received an annual summary of the debt which I’ve never had before?
im at a bit of a loss with this

sourcrates

You can send a reminder if you wish?

Macka09

Hi all
after sending a reminder to these I never received a reply. 

Skip forward to today and I’ve had a text come through from Restons saying “hi, we’ve recently wrote to you regarding an urgent and important matter and we would like you to get in touch. Please get in touch so we can agree a fair and appropriate solution. You can self serve for the portal”
there’s a link attached but I haven’t used it.

I should clarify, I haven’t received any communication from these other than the text message.
 

Any further advice on this please?

sourcrates

Not altogether much of a surprise, they don`t like dealing with disputes.

Well you tried your best didn`t you, I would not give it any more thought, only thing that actually matters is if they try to get legal with you, they have to send a letter before action, which gives you a 30 day response time, and a chance to tell them its likely statute barred, I believe that was the initial assumption at the start of this thread??

Nothing else matters, not their texts/emails/calls, only respond if you get an LBA, let us know if you do.

Macka09

sourcrates said:

Not altogether much of a surprise, they don`t like dealing with disputes.

Well you tried your best didn`t you, I would not give it any more thought, only thing that actually matters is if they try to get legal with you, they have to send a letter before action, which gives you a 30 day response time, and a chance to tell them its likely statute barred, I believe that was the initial assumption at the start of this thread??

Nothing else matters, not their texts/emails/calls, only respond if you get an LBA, let us know if you do.

It doesn’t seem like Restons are the usual debt collection company. Looking online they are a solicitors firm?

You’re correct in regards to the statute barred. 

If I do receive a letter is it a case of send ing them a prove it letter?

also what is an LBA please?

sourcrates

Reston`s are a firm of solicitors yes.

They act on behalf of many of the large debt purchasing companies, you should actually write to whoever owns the debt, I forget now who you said that was?

LBA -as I said in the previous post is "letter before action".

If they send one, you can tell them its statute barred, but only worry about that if it happens.