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PRA chasing old debt
chezzo
Posts: 12 Forumite
Hi there, I randomly received a letter last week from PRA Group chasing an old debt from 2003 from before my divorce. It was addressed to my maiden name. I have had no contact from anyone since around ten years ago when I’m sure I agreed and paid a settlement figure to a different debt company. So I sent a ‘prove it letter’ by email as in any case I’m sure it’s statute barred?
Now they are asking for my current name, address (which they obviously have) and date of birth to prove it’s me. Should I provide this info?
Thanks in advance for any advice
Now they are asking for my current name, address (which they obviously have) and date of birth to prove it’s me. Should I provide this info?
Thanks in advance for any advice
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Comments
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Hi guys,
I also received 2 letters on the same day last week from PRA Group. They both reference debts from 2003 & 2005... I have sent by email the Statute Barred 'Prove it' email and had a response this morning asking for my full address and DOB... what should I do?0 -
Ignore them, would be my suggestion, You've sent the letter, now the onus is on them to prove the debt, not on you to give further information.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Sounds like PRA are up to their old tricks. If you search on this forum under 'PRA' and 'statue barred debts' you'll find older posts from folks who were in a similar situation.. As EssexHebridean has advised, just ignore them - unless they do send proof. Even then you can follow it up with the statute barred letter.
They purchase debts in bulk and then carry out a phishing exercise in the hope they'll catch people out into admitting liability, even the ones they'll know are statute barred. Sneaky beggars!0 -
The Consumer Credit Association used to have a "Myths" publication i.e. this one which is no longer on their site
http://www.csa-uk.com/assets/documents/factsheets/myths_and_facts_of_debt_collection.pdf
One of the "myths" they claimed was that even though a debt was statute barred it could still be collected. The emphasis being that the burden of proof was to be shifted to the debtor from the creditor.
Seems that someone has had a word with them.Unlike some here, I am not omniscient. If I am wrong correct me. I won't take offence.
The law is like an ocean - have a swim but don't drown.0 -
Have a look at this...
https://debtcamel.co.uk/statute-barred-debt/0 -
Thank you very much, this is very helpful. 0
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I have just received a letter from PRA stating that I owe just over £4000 to an old credit card with Alliance & Leicester, however A&L was one of the credit cards that became part of my bankruptcy back in 2010.....they have given me various ways to contact them including a ref no. etc.....after reading some other posts here on line I am inclined just to ignore them ....is that what I should do?...please advise!0
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Palmstars11 said:I have just received a letter from PRA stating that I owe just over £4000 to an old credit card with Alliance & Leicester, however A&L was one of the credit cards that became part of my bankruptcy back in 2010.....they have given me various ways to contact them including a ref no. etc.....after reading some other posts here on line I am inclined just to ignore them ....is that what I should do?...please advise!Hi,If the debt was included in your bankrupcy, you send them a short letter, advising them of that fact, as they won`t be aware.Don`t forget to include your reference number/bankrupcy number, bankrupcy, unlike insolvency, where you must list your debts, is an all encompasing arrangement, that includes all your debts (with some notable exceptions such as unpaid tax and court fines) so anything else outstanding at the time, was included.Thats it, send that, job done.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
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There is a copy on the Wayback MachineWhenIam64 said:The Consumer Credit Association used to have a "Myths" publication i.e. this one which is no longer on their site
http://www.csa-uk.com/assets/documents/factsheets/myths_and_facts_of_debt_collection.pdf
One of the "myths" they claimed was that even though a debt was statute barred it could still be collected. The emphasis being that the burden of proof was to be shifted to the debtor from the creditor.
Seems that someone has had a word with them.
https://web.archive.org/web/20140824054146/http://www.csa-uk.com/assets/documents/factsheets/myths_and_facts_of_debt_collection.pdf
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