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PRA Group Continuous Calls - MBNA debt

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Hi, My elderly parents are getting continuous calls on Mobile and Landline from PRA.

If they send a telephone harassment letter will it affect the fact that the debt as it is nearly 6 years old.

 

Thank you

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Thank you, I was going to use the template on this site.

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Whether you are the debtor or not - You are entitled to receive correspondence in writing only via post etc


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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block their number!!

sorry but I wouldn't be inviting letter tennis by sending anything.

 

whats the debt all about please.


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Hi, I have blocked the numbers on my parents phones.

this relates to an old MBNA Credit Card.

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How old is old?

 

When was last payment made?

 

Reclaimed any PPI or charges/fees?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The Default date is June 2013, that is whats showing on the credit report.

There hasn't been any claims for PPI or charges.

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when did you take the card out?


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Hi, according to the credit report, it says account started 12/03/2008

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Credit reports aren't always accurate.

 

Have you no paperwork for this account?

 

What information have you got regarding this account?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi, from speaking to my parents they definitely think the account was opened in 2008. We are looking to see if there is any paper work.

So do I not go by the default date?

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When would the account become statute barred?

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after a period of 6yrs with no payment


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As above, BUT, the default date on the CRF isn't what dictates SB.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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hi, thank you for your replies, so should my parents just wait now, there hasn't been a payment.

Also just a question to the above reply, what does dictate the SB if it isn't the default date?

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The last payment to the account dictates the SB date.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi, Just an update on this.

My parents have now received a letter from PRA, this is the first they have ever received, they are now getting panicked over this.

If my parents were to offer a full and final settlement on the account what do you think would be a good offer? £7000 is owed according to PRA.

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why?

when was the last payment made


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I gather they have not moved since taking this card out?

Can you scan is the letter please to off read upload

 

Don't go blinking yet please.....!


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