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PRA - Paying off 2 x MNBA + 1 x Barclay Card since 2012 - Am I still liable? Do I fall under Statue Barred?


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Hey... I was defaulted in 2012 for 4 separate credit cards.  I made agreements to pay a certain amount each month with them all (albeit not a lot).  One is with Capital One, I continue to pay directly to them as they never transferred the debt. 

 

The others was transferred to PRA; 2 x MNBA these was defaulted in 2012 so no longer show on my credit file.  The 3rd one originally with Barclays was defaulted in 2016, so is still on my credit file.  I have never missed a payment in the 6+ years the agreements was made.

 

My husband has been made redundant, he will be entitled to a little bit of redundancy via the government scheme around 4k, so not a lot.  I phoned PRA to see if I could settle the 3 accounts with the redundancy money.  On the Barclay's card as the balance is now only 1800.00 I have to pay the amount in full.  With the two MNBS they are both around the 4k mark each - they said they would settle with a 5% reduction.  Far more that the redundancy money will be.

 

Is this debt classed as Statue Barred? if not, if I no longer pay what could be the consequences (if any)?  I obviously will not be able to afford the payments but don't want to get into any legal trouble or my credit file be marked for another 6 years.

 

Any advice will be very much appreciated. 

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Hi and Welcome to the forum.

 

A debt can only become statute barred if there is no acknowledgment or payment for a period of 6 years (5 Scotland) from the cause of action or issuance of a valid default notice.

 

you can only be defaulted once on your credit files.....save your redundancy money

 

Andy

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Hope you sent everyone you are blindly paying a cca request first?.....

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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No, didn't know I could ask for one, but I will now, unless it's too late?

 

Thanks Andy - is it wise (can I) just stop paying then without any consequences court action etc...?? 

 

 

No, didn't know I could ask for one, but I will now, unless it's too late?

Sorry I pressed 'Quote' can't see another way to reply to you

 

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get some CCA request s running tomorrow.

without enforceable paperwork no-one is going near a courtroom door.

wait and see what toilet paper each one returns with.

they have 12+2 days else one of your options is too cease payment until they do.

 

 

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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  • 1 month later...

and?

 

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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Oh please to holy God did she not throw her husband's redundancy at these bloodsuckers.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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@dx100uk - Okay, so I requested a CCA for all 3 accounts.  As you predicted, they took longer than the 12 days to respond.  They have now provided the information for 2 of the accounts and I'm still waiting for the 3rd.  They're  all copies of the documents and not originals.

 

PRA have written to me stating "they have deemed the debt unenforceable" 

I have therefore stopped paying any monies to them, I will not be using any redundancy monies to paying them off... and although I'm receiving emails/letters regularly; I'm refraining from answering them and hoping they will eventually stop!!

 

Thank you for your advice.

1448895704_ccaresponse.thumb.PNG.7192b4050e01880ede0e52fb8f9dec31.PNG  

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one fleecers gone...see!

 

read our upload guide carefully

and scan up to ONE multipage PDF ONLY

the 2 CCA returns 

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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