PRA chasing 2 joint Natwest CA OD debts - sent SB letter now this reply?

[Tulluka]

I had an overdraft some time ago and believe that it is now statute barred, so I sent in a standard template claiming statute barred for 2 joint accounts. I have had a reply from Natwest attached. Anyone give me advise on where to go next and if it actually is statute barred. Please??

2022-11-02_Scan.pdf

[dx100uk]

who's the fleecing DCA chasing you?

that reply appears to be too a third party as its states your client?

 

tell us the full story please.

 

that letter tell us nothing other than you'd sent a cca request to someone for an od debt? 

[Tulluka]

I had a letter from PRA Group about a month ago chasing the debt.So I sent them the statute barred template from nationaldebtline.org.

 

They then wrote to me saying that they had forwarded the letter on to Natwest and would put the chasing on hold.

This letter arrived today.

 

I did not send a cca request I sent a statute barred template

[dx100uk]

strange 

buts thats pra for you.

 

when was the last payment/use of the account by you or the other joint holder?

 

dx

 

[Tulluka]

The last contact was 2013..

[dx100uk]

sb'd then.

 

as long as pra has yours (you've sent the sb letter so they have) and the other joint party has too told them in writing ignore them unless you ever get a letter of claim.

 

dx

 

[Tulluka]

Thank you. Will ignore and update if any more letters, that was my feeling but not 100%, I think they testing to see if I react / reply. Appreciate that.

[Tulluka]

PRA sent me a letter saying that they have closed the account and sent it back to Natwest.

 

I now have another letter from a Zinc Group chasing it.

Do I need to resend them the statute barred letter again or do I ignore?

 

I would think ignore as they should have all previous correspondence?

[dx100uk]

unusual for PRA to simply be chasing a debt, not having purchased it out right.

 

so it looks like PRA were simply chasing for their client natwest.

which they've now sent your correspondence of SB'd too

 

zinc are simply another DCA that doesn't by debt, but simply chases for their client

which is stated on their letter as Natwest?

if so no action to the client is necessary

 

unless a DCA owns a debt, and you have received a notice of assignment, it is very safe to ignore them.

 

dx

 

[Tulluka]

Thanks again.