We Want to Say Yes Debt Letters: Zinc Checks and Contact Details

Received a letter using the name “We Want to Say Yes”? This is a Zinc customer website and service. Check the precise company, creditor and account named on your correspondence.

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.

If the contact worries you, free independent debt advice can help you check the demand and decide how to respond.

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.

A collection letter is not automatically a letter before action or a court claim. Identify the document and any response deadline.

In England and Wales, a business claiming a debt from an individual will normally need to follow the Debt Claims Protocol before issuing proceedings, including allowing at least 30 days to respond to a letter of claim.

Do not assume a legal threat is empty. Only the entitled claimant can decide whether to start proceedings, and only a court can issue judgment.

Seek advice promptly about a legal notice and respond to issued court papers within their own deadlines.

Collection contact may continue while a valid balance remains unresolved, subject to applicable rules and protections. An industry debt statistic does not determine what happens to your account.

So, why are they called as such?

The name reflects Zinc’s customer-facing service. It does not guarantee that a debt will be written off or that a particular offer will be accepted.

If a valid balance is unaffordable, request a sustainable arrangement after essentials and priority bills.

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

Assess any proposal on its own terms and keep an agreed arrangement in writing.

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 need an explanation of a disputed balance, payment or fee.
3. You think there has been a case of mistaken identity and you want Zinc to realise this

Ask for the creditor’s name, account reference, balance breakdown and evidence that you are liable. For regulated consumer credit debts, a firm must pause recovery while it investigates a dispute on valid or potentially valid grounds. A request for information does not itself cancel the debt or extend a court deadline.

Keep copies of requests and responses. A failure to supply information may be relevant to a dispute, but does not automatically win a court case or extend its deadline.

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.

Keep a copy of your response and use an adviser’s template where appropriate. A signature is not routinely evidence of wrongdoing by the collector.

» TAKE ACTION NOW: Fill out the short debt form

Do I have to pay them?

Verify liability, the balance, enforceability and affordability before making payment.

There is no guaranteed way to avoid a valid enforceable debt. Respond appropriately to genuine correspondence, and get advice if an old balance is disputed.

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

If you dispute the debt, explain why and ask for an itemised balance and evidence that you are liable. For recovery covered by FCA consumer-credit rules, a valid or potentially valid dispute must be investigated and recovery paused. A generic proof request does not cancel a debt, override an existing court order or extend a court deadline.

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Check limitation or prescription

If documents have already been supplied, identify what remains disputed or missing. Get advice before paying or acknowledging an old debt; requesting information is not automatically an admission.

But what do we mean by this?

Limitation and prescription are legal rules whose application depends on the debt, jurisdiction and relevant dates.

For many unsecured debts in England and Wales, the usual limitation period is six years from the relevant cause of action, not simply the last phone call. A payment, qualifying written acknowledgement or court proceedings can affect the position. Scotland usually has a five-year prescription period for many ordinary debts, with different rules and exceptions. Court judgments, secured debts and some tax debts require separate advice. Get free debt advice before paying or acknowledging an old debt; do not ignore court papers.

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. We Want to Say Yes: Zinc service information
2. We Want to Say Yes: current contact details