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PRA Group Fishing for very old barclays debt


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Hi everyone,

 

Received a letter from The PRA Group this morning, kindly complying with their "Legal obligations" by sending me a statement of my account with them for the year.

 

This is an old Barclays Bank debt which defaulted back in 1991! Unfortunately I was made redundant at the time, fell into debt and lost my home.

 

To be brutally honest, I'd completely put this period behind me and eventually got back into shape. I even have my mortgage and bank account with Barclays now.

 

What concerns me a bit is a line in the letter threatening a black mark with the CRA's. Is this just a threat as the original debt defaulted and was on my credit report for over 6 years. I understand it's well past the Statute Barred period.

 

Should I keep the home warm by throwing this letter on the fire?

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They can't put anything on your credit record as the debt default is more than 6 years ago. I don't think they would do it, as you coukd probably claim compensation if they did.

 

Best to ignore them and keep an eye on your credit record, just in case they are stupid.

We could do with some help from you.

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Unless they do something silly with the CRA's

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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its probably simply a statement of account which someone that thinks they are classed as the creditor of a debt must send annually should they wish to try and charge interest or default sums.

 

so they got sold a lemon debt shame

 

bit more history please

 

I suspect that years ago the debt was sold to active kapitol or experto credit or vardi credit or whatever their name was years a go

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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