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  • PRA (Barclaycard CC) debt

    Afternoon all,

    I have had a read through a lot of the topics and it’s a great resource and full of great advice.

    I’m hoping for a bit of advice with my situation.

    I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards and a loan. I have since paid off all but one of the debts. That being the following:

    - PRA (Barclaycard CC)
    - Account originally opened December, 2011
    - Original balance was £15000
    - Current balance with PRA is £9860
    - Default due to drop off December, 2025

    To cut a long story short, I submitted a CCA request last year and as of January this year, PRA could not locate the correct or proper documentation and had deemed the debt unenforceable. Good news!

    I had stopped making payments when the CCA request had been submitted. I have not paid anything since.

    On Monday, I noticed that an email had come through with a typed, printed version of a statement attached to it. This was labelled a ‘Copy Statement’ from June 2018. Surely this is not an enforceable document? Any advice would be greatly appreciated.

    Unsurprisingly, the PRA calls have since started in earnest. I did answer one by accident and simply asked to keep all correspondence in writing by email.

    Thanks in advance.

  • #2
    I have been through this, no CCA found and non enforcable etc.

    Eventually after I ignored them for enough years they started sending emails with discounts to settle.

    I ignored those until there was a tempting enough offer and paid it off as the discounts get bigger in my experience.

    I hadn't made any payments at all to PRA so may be different to your case.

    The only reason I paid it off was because I was working in a job that any legal proceedings would have caused me a big problem.

    There is tracking code in the PRA emails so they will know when you open the emails unless you use an email client that opens all emails in plain text and doesn't allow HTML.

    I let them know I had read the discount offer emails by allowing HTML in emails and then ignored them until I was ready and the offers were better.

    Play the waiting game and see what happens.

    Good luck.

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