We Want to Say Yes – Should You Pay?

Did you receive an unexpected letter from ‘We Want to Say Yes’? You’re in the right place to get help. Every month, over 170,000 people visit our website seeking advice on debt matters.

This article will provide you with clear and easy details on:

•  What ‘We Want to Say Yes’ is.
•  If you should pay ‘We Want to Say Yes’.
•  How to deal with ‘We Want to Say Yes’ debt collectors.

Research shows that 64% of people in the UK feel stressed when dealing with debt collectors.¹ Some of us have also experienced this.

Don’t worry, we’re here to support you. We have lots of useful advice and examples to help you figure things out.

Received a letter?

We Want to Say Yes – or rather Zinc – will request that you pay a debt by sending a letter to your home address.

This letter is called a Letter Before Action (LBA) because if you don’t pay or agree to a payment plan, they will take further action.

And that further action would be taking you to court.

However, these could be empty threats and their client may have no intention of taking the matter further than a debt collection agency.

But there is no way of knowing for sure and they could really take you to court for not paying. 

The average unsecured debt has increased by 25% year-on-year, rising to £13,941², which means that, since there’s a growing market, Zinc will not stop chasing the debt until you do something about it.

So, why are they called as such?

Although we can’t say for certain, the name might be used as a way to encourage debtors to get in touch and ask for a payment plan.

This is usually possible with most debt collection companies when you can’t afford the full amount. 

To support this possibility, their website does have a function where debtors can make a payment plan offer.

This is rather unique and not often found on other debt collection websites.

But before you do make an offer or pay – you need to know your other options. Keep reading!

Send them a prove the debt letter instead

You are allowed to ask for proof you owe the debt before making a payment. This can be beneficial if:

1. You genuinely don’t know about the debt
2. You know about the debt but want to buy yourself some time
3. You think there has been a case of mistaken identity and you want Zinc to realise this

Until they supply proof, which should be a copy of a signed agreement, you don’t have to pay the debt.

If they ignore your request but end up being taken to court, you should inform the judge. This could help you win the case but it’s not certain. 

MoneyNerd has created a prove the debt letter template that all of our readers can download for free. Simply add your own account details and send it off.

Don’t sign the letter and remember to keep a copy! 

» TAKE ACTION NOW: Fill out the short debt form

Do I have to pay them?

The good news is that you don’t have to give in and pay We Want to Say Yes straight away.

You might have to pay eventually or you may get away with it. But you should never ignore their letters and hope they simply stop contacting you – they won’t. 

We always recommend responding to debt collectors – even just to question the debt’s validity.

Remember, you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

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The other legal loophole!

You shouldn’t request proof of the debt if they already sent it within the initial LBA, although this is unlikely. You also shouldn’t ask for proof you owe the money if the debt is too old to be collected.

But what do we mean by this?

The courts have blocked many older debts from being taken to court to prevent their resources from being stretched.

If your debt is at least six years old, it might qualify as a debt that is too old to be collected, officially known as a statute barred debt. 

Ask a debt charity for clarification on your debt and if it’s statute barred. And read our dedicated statute barred guide for more details on this topic. 

Know Your Rights

It’s important that you know your rights and those of the debt collectors chasing you. Being aware of what debt collectors can and can’t do is critical to ensuring that you can handle the situation in the best possible way.

Please check out our article exploring the topic and take a quick look at the table below.

We Want to Say Yes Contact Details

References

1. InDebted, Debt Collectors Survey
2. StepChange, Statistics Yearbook December 2022.