CCAs received from PRA. Are they enforceable?

[Firefairie]

Hello. I'm posting an update. I stopped paying PRA a few months ago. They've written and sent emails. They call me everyday but I ignore the calls. They have now sold on the MBNA debt to moorcroft Do I continue to ignore moorcroft when the eventually contact me?

[Dottir]

Hello. I'm posting an update. I stopped paying PRA a few months ago. They've written and sent emails. They call me everyday but I ignore the calls. They have now sold on the MBNA debt to moorcroft Do I continue to ignore moorcroft when the eventually contact me?

I think Moorcroft are a DCA (Debt collection agency) they do not own the debt, it is still PRA’s. If you ignore them, in time they will pass it back to their clients (PRA).

I would ignore them but if letters change come back and ask.

[Firefairie]

Letter says debt is being transferred to Moorcroft. I assume they have sold the debt on because PRA have tired of contacting me. I will ignore Moorcroft and see what happens.

[Sparkles]

As far as I know Moorcroft collect debts on behalf of other companies but don't buy them. I've had three debts that were passed to Moorcroft for collection and then passed back again when I ignored them.

[Joanna Connolly]

Sparkles is right - Moorcroft are not debt purchasers just debt collectors

[Firefairie]

Thank you both. I appreciate the help.

Joanna, I spoke to your associate a few months ago for advice about PRA and he was super helpful. If PRA or Moorcroft do try to take me to court, I will be in touch. I was super impressed.