Hi,

Had a letter today from PRA Group for a 16 year old debt had back in 2002 and they're offering a discounted payment

i believe the debt would be statute barred?

nothing on my credit file is it worth sending a letter under the Limitation Act?

Thanks

well they would

its called a phishing trip.

I will gather you have moved since then...

if you've never updated your debt owners on a change of address [which you should]

then its typically a pre-cursor for a backdoor CCJ sent to the last registered address for that debt.

no harming in sending our SB letter from the debt collection section of our library

that should sort it.

dx

Yes, may as well knock it on the head now.

Hi,

Thanks for reply Neva move been at same address for 20+ years, is it safe to send it via email SB letter?

Always by royal mail

2nd class is ok

Get free proof of posting at po counter

Hi,

Not sure if i should send SB letter to be honest just not sure what to do

been down this road with debt and it not good

dont want to open up problems as im all good now.

There not asking for payment on letter it say

"In order to comply with our obligations under the Consumer credit Act 1974, We are providing you with this statement of your account". opening balance £xxxx Total payment received £0.00 balance adjustment £0.00

Then further down the letter offering a discounted settlement but no demands or threats

because its statute barred..

they cant threaten court, they know that, BUt they most probably [as its all auto-generated..no human knows it was sent] that you are in SCOTLAND,

under their laws the debt is EXTINUISHED..dead gone parrot, after 5yrs...

their system will be geared to E&W, 6yrs , but not extinguished..can still ASK for payment....

your letter is simply one they MUST send if they consider [as they admit too] they are the owner of a debt under the CCA.

so..sb letter time [uSE THE SCOTTISH VERSION..in the debt collection section of the library] to any debts now SB'd

put the DCA's in their place!!