My Diary

[ca71]

Debt 1 - PRA Group - Status: In Dispute

Type of account: Barclaycard Platinum Credit card
Date commenced: October 2010
Approx balance: >£10k
Date last paid in full: December 2016
Date last part paid: August 2021
Status: Default Issued Jan 2017
Being Reported to CRA: No
Current status: Not paying
Assigned: PRA Group in December 2017
Account Owner: PRA Group

History:
09/05/2019 - PRA offered to settle the account for 37.5% of the outstanding debt - Filed
17/12/2020 - SAR output received from Barclays.
22/12/2020 - CCA sent and proof of posting obtained
08/01/2021 - Reply from PRA; returning £1 Postal Order (they don't charge) and stating they need to refer to the original lender and that collection activity will cease.
15/01/2021 - CCA documents received from PRA Group. Scanned and sent to Niddy.
18/01/2021 - Niddy states unenforceable.
09/06/2021 - Letter from Barclaycard refunding (direct to PRA) fees due to incorrectly calculated default fees.
01/08/2021 - PRA considers the account unenforceable.
28/08/2021 - Standing order cancelled.
19/12/2022 - I made a "Without Prejudice" F&F offer of <1%. PRA countered saying they would accept 90% of the alleged outstanding balance.
12/01/2023 - Notification from ClearScore that this card will shortly be removed from my credit file.
27/09/2023 - Your account is being transferred to Moorcroft. They'll be in touch.
17/01/2024 - Your account has recently been transferred to PRA Group UK Portfolios Limited.
10/05/2024 - 'Login or contact us to avoid further action' email. Litigation recovery is being considered.
14/02/2025 - 60% discount now being offered.
16/05/2025 - 50% discount now being offered.
16/07/2025 - 65% discount now being offered.

[ca71]

Hi!

Firstly, just like to say what a wonderful resource this place is. I am truly inspired by the success that occurs in this forum. Long may it continue!

I'm new having lurked for a few months and am hoping to get my financial position back on track.

I have 3 debts in total - all were defaulted on in early 2017 - as I understand it they will drop off my credit file in 2023 (paid or unpaid) - Is that right?

Thank you all, in advance, for any and all help.