How to Draft a "Prove It" Letter to Debt Collection Agencies

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How to Draft a "Prove It" Letter to Debt Collection Agencies

Debt collectors in the UK can be a major annoyance. They have a well-deserved reputation for ignoring consumer protection rules. One of the first steps to get debt collectors to leave alone is by requesting a "Prove It" letter that verifies the debt. The letter's importance has left many people searching for a .

Our guide below will explain the importance of sending a Prove It letter to debt collectors. If needed, we can even on your behalf.

Basics of Debt Collection

  • When companies believe debt is uncollectible, they often sell the debt receivables to a collection agency at a discount.
  • During this transfer of receivables, the collection agency is required to keep proper record-keeping to verify the debt.
  • Despite this record-keeping requirement, collection agencies are known for making mistakes.
  • They may accidentally try to collect the debt from someone with a similar name.
  • Collection agencies may accidentally try to collect a debt that has already been paid.
  • Some collection agencies openly try to scam people by trying to collect on a fictitious debt.
  • Debts in the UK have a statute of limitation of six years. Debts older than six years cannot be legally collected. (The statute of limitations is five years in Scotland).

What Is a Prove It Letter and How It Can Help

  • A is an informal term used to describe when someone requests official proof of debt from a collector.
  • This is particularly helpful if you believe the debt is not rightfully assigned to you.
  • A Prove It Letter can also be helpful if you are unsure about the debt. If you don't remember the debt, a Prove It Letter can help set the record straight.
  • After a Prove It Letter has been sent and received, the collector must stop all collection attempts until proof of debt is verified.

When Not to Send a Prove It Letter

While Prove It letters are a great way to stop erroneous debt collections, there are at least 5 scenarios where they won't be beneficial.

The debt is clearly assigned to someone else.If the name on the debt is more than a minor misspelling, then a Prove It Letter won't be necessary. Simply tell the debt collector, "this isn't me."
The debt is yours and is more than 6 years old.At this point, a Prove It Letter isn't the best course of action. Instead, you will want to utilize Statute-Barred debt laws. (DoNotPay can help with this too, more info below).
You are 100% certain the debt was settled with the original creditor.In these scenarios, which is common with utility and mobile bills, you will need to get in touch with the original creditor to set things straight.
The debt letter is incredibly vague.Vague debt letters are a common technique for scammers. If there is no info about the original creditor, account numbers, dates, etc. then there is a good chance it is a scam. You can ignore these, but you may need to investigate them further if you continue to receive them month after month.
You are receiving court papers about the debt.If the debt has reached this point, you are on a strict timescale. Waiting for the exchange with a Prove It letter can lead to more problems. For these situations, get in touch with the National Debtline for help.

Generate a Prove It Letter With DoNotPay

Successful Prove It letters need to be strongly worded and cite Financial Conduct Authority regulations. Additionally, a Prove It Letter should be tailored to your specific situation (denying the debt vs asking for confirmation). In any case, DoNotPay can generate a Prove It letter on your behalf. Additionally, we can offer other solutions for different debt scenarios.

To get started, follow these three easy steps:

  1. Search for "debt collection" on DoNotPay.

  2. Answer a few questions about the debt collectors, such as when you were contacted and how you were contacted. This will help us determine if they violated any debt collection laws.

  3. Select the best course of action based on our guidance. You can choose to file a Prove It Letter, demand for the collectors to stop contacting you or report the collection agency to a professional trade association.

What Else Can DoNotPay do?

DoNotPay started as a service for people to fight unfair parking tickets. After managing well over 200,000 cases in both the UK and the US, we've expanded our services a great deal.

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