PRA for Barclaycard

[Floridajen]

Hello any help would be appreciated please.

Had a letter today from PRA stating they have been trying to resolve this debt since 17/08/2015 when they purchased this barclaycard account.

if we don’t get in touch within 30 days they may start court proceedings.


should we just hold fire or should we respond ? I have no idea if it’s enforceable or not

thanks

[Colin G Quinn]

Hi Floridajen,

No need to panic. Does the letter state the age of the alleged agreement (you can usually find that on page 2 or 3).

If you want to email the letter to me to take a look at my email address is in my legal disclaimer below. If you do I'll have a look and then respond to you on here.

If they have had it since 2015 I'm guessing its a quite old account and likely unenforceable. Just remember though, an enforceable agreement is just one part of a claimant's claim. There is a lot more they have to prove and, in the majority of cases, they fail to do so.

[Floridajen]

Oh thanks for replying Colin. I have dealt with your company before in 2019. I will email over to you thanks

[PlanB]

Hello any help would be appreciated please.

Had a letter today from PRA stating they have been trying to resolve this debt since 17/08/2015 when they purchased this barclaycard account.

if we don’t get in touch within 30 days they may start court proceedings.


should we just hold fire or should we respond ? I have no idea if it’s enforceable or not

Hello

Is this debt on your Diary thread?

You say you've no idea whether the debt is enforceable or not, does that mean you've not sent a CCA Request in the past.

Don't do that yet until the full history is clear.

Di

[Floridajen]

Hi Di, I forgot about the diary thread yes it will be on there

[PlanB]

Hi Di, I forgot about the diary thread yes it will be on there

Well I can see three Barclaycards, and a Barclays Loan on your thread all assigned to PRA so which one is it?

Di

[PlanB]

Had a letter today from PRA stating they have been trying to resolve this debt since 17/08/2015 when they purchased this barclaycard account.

if we don’t get in touch within 30 days they may start court proceedings.


should we just hold fire or should we respond ? I have no idea if it’s enforceable or not

Is it just a letter or is it a formal 'Letter of Claim' including a Reply form of several pages with Boxes to tick and an Income and Expenditure Form to complete (but you can't be made to!).

You probably need to explore whether it's enforceable or unenforceable before deciding your next step.

Di

[Floridajen]

Do, from my diary it was unenforceable ?

[PlanB]

Do, from my diary it was unenforceable ?

Which debt is it?

Give me the thread post number and I’ll check it out.

Di

[Floridajen]

Debt 1 on my diary thread post number ?

[PlanB]

Debt 1 on my diary thread post number ?

Well that’s good news because Niddy has already said the credit agreement is unenforceable

Is it a formal Letter of Claim?

Di

[Floridajen]

It’s just a 1 page letter Di no forms to fill in
just saying that they took over in 2015 and have been trying to resolve now I have 30 days before court proceedings may occur

[Warwick65]

Oh that’s good, it is not a letter of claim and if I’ve understood this correctly Niddy has already said this is UE. IF and it is an IF they move on to the next stage and send you a letter of claim, come back and people can help . I have loads of letters saying we may ( note the may , not we will) go to court and 25 didn’t.

[PlanB]

It’s just a 1 page letter Di no forms to fill in
just saying that they took over in 2015 and have been trying to resolve now I have 30 days before court proceedings may occur

Ok, it’s just a letter not a formal Letter of Claim so you have time to work out what is best to do.

It says proceedings ‘may’ occur not ‘will’ occur.

I can see you previously sent a SAR to Barclays for another debt but did you get a response which included documents for this account too?

Try not to worry about this tonight, it’s a letter which has landed on your doormat, not a hand grenade.

Di

[Floridajen]

Ok thank you so much for your advice xx