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Statute barred

edited 30 November -1 at 12:00AM in Debt-Free Wannabe
17 replies 782 views
Symple_simonSymple_simon Forumite
12 posts
edited 30 November -1 at 12:00AM in Debt-Free Wannabe
Sorry if this has been asked hundreds of times before, or even if I'm in the wrong place.
But I am after some advice, so here goes..
I received a letter before Christmas from the PRA Group about a debt they were trying to collect.
I didn't recognise the name of the company they were collecting for.
They were after a settlement figure of 10% of the amount they claim I owe.
Now my Experian score is 994, it shot up mid 2018 after some details came off, and I obtained a mortgage without any problem in late 2018, have nothing on my file now regards any debts and am unsure if this debt is legit.
Admittedly years ago I used to bury my head in the sand with financial matters. I honestly cannot recall engaging with them regards this debt.
Surely this is just a fishing trip by them as I imagine this is now statute barred?
My way of thinking is that if they had a genuine course of action then they would be after the full amount and not 10%?
I will email them the statute barred letter to see what happens, but any advice will be greatly welcomed.


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