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Request CCA or ignore PRA group
edited 10 October 2018 at 4:55PM in Debt-Free Wannabe
9 replies 2.1K views
I have an old debt from an MBNA credit card, agreement date 2008. Due to difficulties blah blah, my last payment on the card was in 2014. The PRA group were assigned the debt in 2015. I was living abroad and have never paid them anything. They found me in back in the UK and I responded with a letter (with signature) saying I couldn’t service the debt at that time. I guess that constitutes an acknowledgement....silly me, I didn’t know about this web site back then. Anyway 3 years on they have found me again. I think it is a ‘scatter’ letter as they are missing elements like my date of birth etc. And it is not showing up in my credit file. I won’t be moving from my current address so I’m not sure whether to request a CCA from them or ignore and not communicate. I am 2 years away from the debt being time barred so if I write to them at all I start the clock at zero I suppose and I give them some fuel to show teeth. I’m pretty sure this will be an unenforceable debt but not sure if it’s worth the risk. Any advice out there would be very welcome.