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.
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.
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