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Help with PRA group phoning me regarding Car Finance debt from 2004!!


amilase99
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Hello ,had a letter today from PRA saying I owed £3,900

I telephoned them and asked what is this about

 

was told it was from a car finance debt from 2011 and not at the address I been living at for 13 years.

 

I asked to see copies of credit agreement which the response was they did not have.

 

after the telephone call ended and asked family I remembered having finance for a car in 2004 and that was the only one I had.

 

Can they still chase me for that debt and why are they saying the debt is from 2011 ?

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Thank you BazzaS ,

 

 

I just been on phone to PRA group spoke with a Scottish guy I asked when the agreement was signed he said 2011 ,

 

I said that's wrong it was more like 2002-2003 he admitted it was statute barred but could chase the debt

 

I told him I will write to FCA then his next words was 'the account will be closed today and I would hear no more from them '' :wink:

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If defaulted more than 6 years ago

nothing they can report

Why are you phoning

Get it all in writing

for future proof

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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never ever phone a DCA

they ARE NOT BAILIFFS!!

they have

NO LEGAL POWERS WHATSOEVER!!

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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