Featured in...
Dashboard
Debt Info
Debt Collectors

We Want to Say Yes – Should You Pay?

Scott Nelson Profile Picture Janine Marsh Profile Picture
By
Scott
Scott Nelson Profile Picture

Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 7th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Featured in...
We Want to Say Yes

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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.
  •  Tips on handling a debt letter from ‘We Want to Say Yes’.
  •  Checking for other debt collectors.

We know how confusing it can be when a debt letter arrives. You might wonder where the debt came from or if you should pay. Maybe you’re concerned about whether you can afford to pay. Research shows 64% of UK adults find interactions with current debt collectors stressful1.

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

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Received a We Want to Say Yes debt 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 We Want to Say Yes?

It begs the question: why is this debt collection agency using We Want to Say Yes as their website name? 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!

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

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

Should you pay We Want to Say Yes?

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. 

I 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.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

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.

Debt Collectors Can But They Can’t
Contact you by phone or mail. Call you after 9pm or before 8am.
Conduct home visits (on rare occasions) and knock on your door. Forbily enter your home, or stay if you ask them to leave.
Threaten to take you to court by suing you for payment on a debt. Harrass you, including threats of violence, repeated calls and visits, or abusive language.
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing. Visit your workplace.
Access your bank account, but only after a court judgment has been made. Take anything from your home or threaten to do so.
Sell your debt. Speak to other people about your debt without your permission.
Contact you frequently. Keep doing so if you request that they reduce communications.

Checking for Other Debt Collectors

There are a lot of ways to get into debt. In fact, it’s not uncommon to owe money to several companies at once.

Perhaps you have a mortgage, a car loan, a couple credit cards and an item or two you bought on buy-now-pay-later schemes. It’s easy to lose track

That’s why it’s important to regularly check your credit report and bank statements to make sure you haven’t missed anything.

If a debt collector has purchased your debt, it appears on your credit report.

Some of the debt collectors you’re most likely to come across are PRA Group, Lowell and Cabot Financial

We Want to Say Yes Contact Details

Company Name: The Zinc Group Ltd.
Other Names: Zinc Group, Zinc Recoveries, Zinc BPO Ltd., Zinc SLM, Zinc Solutions, Zinc Credit Consultancy, Complete Credit Consultancy
Address: Kings House 4 Elm Court, Stratford Upon Avon, CV37 6PA
Main Contact Number: 0141 301 1055
Fax: 0330 1000 851
Website: http://www.thezincgroup.com
Email: [email protected]
Opening hours: Monday–Thursday: 8.00am–8.00pm
Friday: 8.00am–4.00pm
Saturday: 9.00am–12.00 noon
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. InDebted, Debt Collectors Survey
  2. StepChange, Statistics Yearbook December 2022.
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.