If it is more than six years since you last made a payment to it, then you need to talk to a specialist debt advisor, not reply to the creditor. NB this is meant for when the letter clearly isn’t for you – not if it has your maiden name or the name is slightly mis-spelled.Įven if the letter has your address, it is not intended for you. Going to the Ombudsman – which Ombudsman?īefore you send a Prove It letter, check if any of the following circumstances applies, as there are better options for you in these situations.If the letter says there is already a CCJ.The letter has no details about the debt at all.You are sure the debt was settled with the original creditor. You know what the debt is and it is old.The letter is addressed to someone else.
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