My Diary

[Roger]

Re: Debt1 - Having had PRA confirm that the debt is unenforceable I made a cheeky F&F offer of <1% to close the account. They replied with a counter offer of 90%. This alleged debt will drop off my credit report in Feb 2023. So it will now be radio silence until they issue a claim or until SB arrives in Aug 2027.

My advice in these circumstances of currently UE after same time delay would be to always SAR the Original Creditor to find out what DATA the actually have and the correspondence between them and PRA!

Do this before offering anything! Its better actually to let them come to you with offers. You have awoken PRA here with your offer and their 90% response suggests they are rather more optimistic than perhaps you might think.
I would watch PRA very carefully and perhaps next time seek advice on here!

[ca71]

Re: Debt1 - Having had PRA confirm that the debt is unenforceable I made a cheeky F&F offer of <1% to close the account. They replied with a counter offer of 90%. This alleged debt will drop off my credit report in Feb 2023. So it will now be radio silence until they issue a claim or until SB arrives in Aug 2027.

[ca71]

Did they give a reason ??

Not yet but they have most definitely been JCSed! (presumably dodgy paperwork)

[Still Waving]

Re: Debt 2 - Had verbal notification from JCS that Cabot have agreed to withdraw the claim.

Did they give a reason ??

[stuckinarut]

Great news, no party money for them then

[ca71]

Re: Debt 2 - Had verbal notification from JCS that Cabot have agreed to withdraw the claim.

[ca71]

re: Debt2 - Letter of Claim received from Northampton Court. I've reached out to JCS for help.

[The Tech Clerk]

yes

[ca71]

LBC received from MCS re: Debt2. Including an E&I sheet. This is definitely not from the County Court. Filed. Presumably I continue to ignore until the actual court paperwork drops.

[The Tech Clerk]

Debt2 - Pre-legal action will commence in 7 days

next drawer down ? bless them yuk

[ca71]

Debt2 - Pre-legal action will commence in 7 days

[ca71]

Another letter from MCS re: Debt2 - Filed.

[stuckinarut]

Their party cancel no funds dah. Lol

Now thats the sort of cancellation we all like

[The Tech Clerk]

Their party cancel no funds dah. Lol

[Still Waving]

Xmas party on the rocks???

"I don't mind if I do. (Hic.)"