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adam1992

PRA Group Natwest Overdraft

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I have a Account with PRA Group for a Natwest Student Overdraft (Opened 2008 defaulted 2016) .

 

I am getting a lot of letters from PRA asking for payment/settling my account offering discounts (of about £100).

 

Do I continue payment plan as before? I can't CCA as they are an overdraft I believe

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Who is the payment plan with now .....Natwest ?  Has the debt been assigned to PRA ?


Andy


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PRA have purchased the debt 

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so you've had a notice of assignment then?

 

if so that's rare for nasty west to sell it on they typically litigate themselves

so I bet the debt is vastly inflated with penalty charges and the interest they attract.

 

i'd be sending NW an sar

get all the statements.

then go thru them with a fine toothed comb.

 

could be £1000's to reclaim....

 

pers i'd stop paying

 

what was the original debt amount

and what is outstanding now

a bit more info on the history please

 

dx

 

 


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So I ridiculously had this overdraft since 26th August 2008 and left it in the overdraft for nearly 10 years I believe. 
 

they then requested repayment and removed the facility so I hit a default. I was then paying £10.00 into the account on a plan.

 

Since PrA got involved they closed the NatWest account as I can’t send money into it (as I was doing to pay it) anymore. 
 

They offered lately for me to pay £955.59 as a one off discount. They keep contacting me to make an arrangement.

 

The balance is £1005.88 (I’m fairly certain they reduced some charges before closing it- I think it was left in the -800/900 for years without charge)

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no the account would have been defaulted and closed by NW before they sold it on.

 

did you get that SAR running to NW? got it back yet?

 

its gonna be pretty easy for fees etc to get upto £1000 for an OD debt from 2008.

thats most probably why NW sold it and didn't litigate themselves

they know the debt is bogus.

 

 

 

 


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You will get loads of information when you SAR Nat West, they even break it down for you into fees, PPI (if you had it).  You'll probably find loads of late charges to claim back too.

 

As for PRA just ignore them unless they send a PAP letter, don't pay them anything and certainly don't speak with them.

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