PRA and old Barclaycard debt not used/heard of in years - SB'd?

[Yorky55]

Hy, Not sure if this is right place for this;

Advice  and fact needed please.

1] My understanding is, if you believe that you haven't contacted or  made payment for at least 6 years, then you can argue, Statute Barred, just reciveing a letter or statement, from Debt Collector, does not make it a enforceable debt, especially if you have no claimed it ever was.

2] No court [CCJ] or legal threat letters received

3] Out of blue, letter received, not even my proper address, stating if a one off final payment is made, then debt closed! 

But I dont recall debt and have not made contact with in the 6 years.

I dont think writing to them making acknowledgement of any kind is a good idea, as that then would suggest you know of the debt and your 6 years would be restarted.

What is the best course of action!

 

many thanks

 

 

[lolerz]

If you've got a letter saying the "debt" is closed just file it and forget about it.

Don't enter into silly letter tennis if you don't have to. They're likely phishing for a response.

[Bazooka Boo]

Who is the mysterious DCA?

 

Check your credit file too.

And don't respond to a powerless DCA, you'll give them delusions of grandeur!

[dx100uk]

why do you always make such obscure posts? speak ENGLISH..

if a debt is statute barred, send them our SB letter.

you cannot unbar a debt if it's already SB'd by doing that..not even a judge can unbar a debt.

however if the address they are using for you is not correct or current, i'e you RAN AWAY from the debt and never updated ANY original Creditor nor latterly the DCA/debt buyer you have moved IN WRITING.

you stand a very big chance of a backdoor CCJ even if the debt IS SB'd.

remember northants bulk is a ROBOCLAIM Court, everything is automated. no human checks anything. just gets rubberstamped as default judgement if you don't defend it.

dx

 

[Yorky55]

hy,

sorry I get so  scrambled with posts.

I still got the letter and enclosure its just they got part of the address wrong, haven't moved away, been here for quite a few years

PRA Group Letter 1 - says they recently sold the Barclays A/c debt to PRA Group UK Portfolios Ltd and is owned now  by them.

They are now data controllers of my personal  data for the a/c.

It has amount owed, who I owed to, agreement date Nov 2002.

In same envelope was;

Letter 2, providing a statement of my a/c,  Transaction breakdown available upon request. further information about original credit agreement. Debt is approx 4,300.00+ 

Then repayment solution , if I pay £879.55 full and final settlement to settle the debt. but has to be paid by 21/2/2024.

then about 7 pages of info about Data protection info notice

A lot has happened over last 10 years, especially the last few, nearly 64 now, had to give up work to be a full time family member carer. 

I cant seem to find much or if any info relating to this debt, 

I cant find any letters to say I contacted them with any info or payments offers.

what would the best option for me to proceed, please.

As i only get carers allowance and very little income, they wont get much out of me anyway.

any advice is better than none,

so sorry, Bazooka Boo, lolerz, its such a nightmare time at moment caught up with flooding and burst pipes, sorting travelling and caring full time  for my brother.

-PRA Group transferred my original debt, Barclays to PRA Group UK Portfolios Ltd.

reply to lolerz - sorry no letter from them or anyone who said debt is closed

reply to Bazooka Boo, well they are asking me to respond 

I can not recall ever responding to them ,have some boxes in attic, which are about 8 to 10 years old, will see if I can find anything.

they have given me a statement, a/c summary  and agreement date Nov 2002, which  I assume is when I did a credit agreement, but so long ago now.

I just need to get on top of it and know how to tackle it best.

[dx100uk]

credit card

loan

or OD Bank Account?

 

 

[Yorky55]

sorry its  Credit card

 

[dx100uk]

if you have not used or paid in 6yrs 

send PRA our SB letter from the debt collection section of our library.

nail then in their box.

dx