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Letter from pra group - help!

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  • sourcrates
    sourcrates Posts: 31,573 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Ben8282 wrote: »
    Ignore this and all future letters. Tear them up and throw them away. DO NOT MAKE CONTACT.

    Bad advice Ben.

    OP dosent want a CCJ by default when it could be avoided for the price of a stamp !!!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    fatbelly wrote: »
    PRA is what Mackenzie Hall turned into. Older posters like Mrs T will remember how much fun they used to be ;)

    OI!!! Less of the old! :D:p

    But alas yes lol I recall the "good old days" when the first questions was "who's chasing it..." because 9 times out of 10 that told us if they had ANY evidence/rights etc without putting any effort in at all LOL They specialized in buying debts with no paperwork (and 1p in the £ might have been the high end of what they paid...)

    Ahhhhh those were the times :)

    Like when one of them tried to chase me for a debt I knew had been paid (gotta love Lloyds) with a consolidation loan from... yep, Lloyds HAHAHA - I actually phoned them because frankly I was bored and wanted a bit of a giggle... I never did hear back from them :( I don't think they liked me!
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • sourcrates
    sourcrates Posts: 31,573 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    MrsTinks wrote: »
    OI!!! Less of the old! :D:p

    But alas yes lol I recall the "good old days" when the first questions was "who's chasing it..." because 9 times out of 10 that told us if they had ANY evidence/rights etc without putting any effort in at all LOL They specialized in buying debts with no paperwork (and 1p in the £ might have been the high end of what they paid...)

    Ahhhhh those were the times :)

    Like when one of them tried to chase me for a debt I knew had been paid (gotta love Lloyds) with a consolidation loan from... yep, Lloyds HAHAHA - I actually phoned them because frankly I was bored and wanted a bit of a giggle... I never did hear back from them :( I don't think they liked me!

    This is the attitude people need when dealing with debts.

    Inject a little humour, these debt collectors are way too serious.

    Of course it's a serious subject, but it can't hurt can it, serves to remove some of the fear, which is largely unwarranted !!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    Easier said when you know the debt is fiction and you know your stuff :) I did enjoy letting them try every underhand trick from guilt to threats to get me to pay - after 55 minutes my lunch break was about over so I asked them a few pertinent questions about the statute of limitations act and then pointed out that firstly I contested the debt because it was never owed in the first place but actually repaid by a loan from the same bank. Second IF it had been owed then it was statute barred as no acknowledgement had been made and they had not chased it for 7 years... and finally if they ever tried to contact me again about it I would ensure that legal action followed against them and their employer for a number of issues given they had lied in trying to obtain funds from me. Amazingly I think they hung up on me... hmmmm
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • BMRS
    BMRS Posts: 5 Forumite
    Hi all,

    So, i sent a letter to PRA - just to let you know i got a letter back saying the alleged debt was in fact statute barred, and the account has been closed and no further action will be taken. :j
  • January2015
    January2015 Posts: 2,369 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    BMRS wrote: »
    Hi all,

    So, i sent a letter to PRA - just to let you know i got a letter back saying the alleged debt was in fact statute barred, and the account has been closed and no further action will be taken. :j

    Well done - file that letter away very safely - you never know these bottom feeds may just try to sell it to another DCA.
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k :eek: Now debt free and happy :j
  • sourcrates
    sourcrates Posts: 31,573 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    BMRS wrote: »
    Hi all,

    So, i sent a letter to PRA - just to let you know i got a letter back saying the alleged debt was in fact statute barred, and the account has been closed and no further action will be taken. :j

    Great result BMRS !!

    Never listen to the trolls !!!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • fatbelly
    fatbelly Posts: 22,979 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    fatbelly wrote: »

    Anyway I'd be really surprised if this isn't statute barred - send the letter and they should give up.
    BMRS wrote: »
    Hi all,

    So, i sent a letter to PRA - just to let you know i got a letter back saying the alleged debt was in fact statute barred, and the account has been closed and no further action will be taken. :j

    Yay :T
  • Well done BMRS :)
    "Those who would give up essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety". - Benjamin Franklin
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    BMRS wrote: »
    Hi all,

    So, i sent a letter to PRA - just to let you know i got a letter back saying the alleged debt was in fact statute barred, and the account has been closed and no further action will be taken. :j

    Well done. :beer:
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
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