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DC agrees statute barred but still calling
GeoffSpar8
Posts: 27 Forumite
Hi there
Looking for advice on what I could do next.
PRA Group are chasing me for an old debt which is statute barred. They have written to me and confirmed it is statute barred but say this does not stop them calling me and chasing payment, albeit they agree it is not enforceable. I used the standard stepchange letter which includes the FCA guidelines that they should not continue to contact a debtor once it has been statute barred.
Any advice on how to get them to stop calling me? I've blocked the number but they keep leaving voicemails from their automated dialler.
TIA
Looking for advice on what I could do next.
PRA Group are chasing me for an old debt which is statute barred. They have written to me and confirmed it is statute barred but say this does not stop them calling me and chasing payment, albeit they agree it is not enforceable. I used the standard stepchange letter which includes the FCA guidelines that they should not continue to contact a debtor once it has been statute barred.
Any advice on how to get them to stop calling me? I've blocked the number but they keep leaving voicemails from their automated dialler.
TIA
0
Comments
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This is a clear breach of the FCA rules. Make a formal complaint here mailto:IandEMailbox@fca.org.uk0
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Hi GeoffSpar8,
This is quite a clear case of harassment. You should make a written formal complaint and quote the FCA guidelines (from the Consumer Credit Sourcebook): -
"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4
"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8
If they continue to chase you for the money after the harassment notice you can go to the Financial Ombudsman Service.
Laura
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
Written complaint, if ignored, go to FOS.
FOS award compensation in cases such as this.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-letter0 -
A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred."
Did your letter to them make the bold bit clear?0
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