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PRA and MBNA card debt approaching Statute Barred

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Hi

I have a debt that is approaching statute barred date. I have not contacted the original creditor (MBNA) for the past 6 years or made payment (as confirmed on my credit file).

The debt was sold some time ago to PRA, I have also not entered into communication with PRA or made a payment to them.

My question concerns when this debt becomes barred? I am hoping it is based on the oirignal creditor situation, which then means no legal action possible for them, and then if this thinking is correct, can the DCA simply be ignored / told to go away ?

 

Any help much appreciated.

 

Thanks

 

 

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not a simple as that...

 

1st have you informed MBNA prior to the sale or the DCA since the sale in writing that you have moved..if you have since taking this card out?

 

statute barred runs from the date of your last payment or use of the card, which if the original creditor issued a default notice correctly, should almost the same date showing on your credit file under default date in the debt summary.

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi

Both MBNA and PRA have been sending statements to my current address for years now (7+ years). Does this remove a potential problem?

 

On the Statute barred matter, from your reply am i correct to say, that statute barred will only apply to the MBNA side of the debt,? Or once this is offically taken care of , PRA may continue to chase , but shouldnt really and can also be stopped due to the statute barred matter?

 

Many thanks

 

 

 

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no.

if its SB'd its SB'd end of

send/receiving paperwork is immaterial.

when did YOU last pay or use the card

 

 

 

 

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi

I last used the card in 2013. The first default on my credit file shows january 2014, and every month since then there is a D for default.

thanks

 

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forget the calendar section

should be a defaulted date in the debt summary.

 

when did you last pay anything to anyone too please?

 

 

 

 

 

 

 

 

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Date of default 30 Apr 2014

Ive not paid anything to this account since the default in april 2014

 

Thanks

 

 

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Ok so not sb'd yet (above +14 days) 

 

have Pra sent a letter of claim with a reply pack yet?

 

dX


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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nope nothing from PRA, would you expect them to send somethng this month to start legal proceedings before the SB becomes effective?

thanks

 

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Too late..

PAPLOC gives you 30 days to reply to it before they can raise a claim .

 

well done!

 

once the sb date passes send our sb letter.

 

they probably havent got an enforceable CCA anyway

and dont forget the golden rule

 

a DCA is not a BAILIFF

and have ZERO legal powers on ANY debt


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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