PRA GROUP ARE NOW EMAILING ME AT WORK - ON MY WORKS EMAIL - UNENFORCEABLE DEBT. Boss May See It?

RobM99

Tigsteroonie said:

If you work for a large company, is there a chance that your email addresses are standardised to e..g  firstname.surname@company or initialsurname@company?  They may just have had a punt at the email address, or have hired somebody who used to work there and so knows the format so took a shot ....

Good call. If you work for  the global company "Global Sales" (made up  name) and your name is (made up name) Charley Farley, they might guess at CharleyFarley@Global_Sales.com or similar until they hit the right one.

Want2BeDebtFree

Thanks Guys.... So for the moment I've decided to just let this go... I've got enough on my plate. I shall just delete - delete - delete - but if it goes on longer than say for 6 months (?) then I might just send the letter?  Trouble is -- sending a letter means you are "DRAWING ATTENTION TO YOURSELF" and you run the risk of "MUDDYING THE WATERS"  with them!  (And then you also have that HORRIBLE feeling of waiting for the reply!!  And then the stomach churning moment of opening the REPLY letter!   Depends how long it goes on for.  If I DO finally LOSE my cool , then I will finally write them a letter as last resort...  Thanks ALL for letting me KNOW where I stand legally..  

lordmountararat

and was still being paid via instalments in 2017).  I obviously STOPPED paying it 2yrs ago when it became unenforceable

If you were still paying in 2017 (and thereby acknowledging the debt) it will not become unenforceable until 2023 or2022 in Scotland.

Fatsdom

Don't overthink it bruh. An incoming spam email (and this is spam) is not the same as misusing email. If it was me I would block the sender, and that would be the end of the matter.

Either way, I wouldn't worry about getting fired over an unsolicited email that you deleted. 

sammyjammy

lordmountararat said:

and was still being paid via instalments in 2017).  I obviously STOPPED paying it 2yrs ago when it became unenforceable

If you were still paying in 2017 (and thereby acknowledging the debt) it will not become unenforceable until 2023 or2022 in Scotland.

I think they mean its unenforcable !!!!!! in they cannot provide the required paperwork.

sourcrates

Want2BeDebtFree said:

Thanks Guys.... So for the moment I've decided to just let this go... I've got enough on my plate. I shall just delete - delete - delete - but if it goes on longer than say for 6 months (?) then I might just send the letter?  Trouble is -- sending a letter means you are "DRAWING ATTENTION TO YOURSELF" and you run the risk of "MUDDYING THE WATERS"  with them!  (And then you also have that HORRIBLE feeling of waiting for the reply!!  And then the stomach churning moment of opening the REPLY letter!   Depends how long it goes on for.  If I DO finally LOSE my cool , then I will finally write them a letter as last resort...  Thanks ALL for letting me KNOW where I stand legally..  

Please don`t make this any more complicated than it is, the debt cannot be enforced due to lack of a compliant credit agreement, what are PRA Group going to do ?

You send a letter or an email, asking them to delete the works email address they hold for you, under GDPR they must comply with your request, you will then get a response saying "thats been done, thank you for contacting us".

You can also add an addendum stating as the account they hold for you is unenforcable, you will not be paying it, and you concider the matter closed.

Debt purchasing companies are in the buisness of making money, if they get no joy off you, they will quickly move on to someone else.

sammyjammy

sammyjammy said:

lordmountararat said:

and was still being paid via instalments in 2017).  I obviously STOPPED paying it 2yrs ago when it became unenforceable

If you were still paying in 2017 (and thereby acknowledging the debt) it will not become unenforceable until 2023 or2022 in Scotland.

I think they mean its unenforcable !!!!!! in they cannot provide the required paperwork.

What did I write that made it get blocked, I'm sure it was just as in they....

Want2BeDebtFree

UPDATE!!!  21ST AUGUST - THE SAGA CONTINUES...    
Okay, so regarding all of the above attendant to the historic debt (from approx 22 years ago?) with Barclaycard the STRANGEST THING has now happened!  Another totally separate Email was received this week -- once again to MY WORKS EMAIL address!!  However, this time, it WAS NOT from PRA GROUP.  It was from Barclaycard themselves!   And the Email said "Dear M.... XXXXXX. You have a credit card with us with a £2,000.00 credit limit,  We are reducing the amount of cash that you can withdraw from a cash machine from £2,000.00 to £200.00  - please acknowledge receipt of this Email. (END QUOTE)... 

Thing is!!  And get this!!  I DO NOT have a credit card with Barclaycard at present?  So what is ALL of this about?  They have NEVER sent me a physical credit card?  And I DO NOT have a Barclaycard credit card...  So WHY are Barclaycard themselves asking ME to acknowledge receipt of this email??   What GAME are they paying now????  Is this to make me ring in???  Is this to make me write in to them???   Or is this to make me Email them?? And also -- it begs the question how did Barclaycard get my works Email address (did PRA GROUP give it to them?) 

I just deleted the Email... However THIS MEANS that PRA GROUP and Barclaycard are now perhaps communicating between each other.. They must have in order to obtain my works email address.  Therefore this is double challenge/calamity.  

Galloglass

However THIS MEANS that PRA GROUP and Barclaycard are now perhaps communicating between each other.. They must have in order to obtain my works email address.  Therefore this is double challenge/calamity.  

And then .. perhaps not.

sourcrates

Barclaycard are reducing credit limits and the amount of cash that can be withdrawn across the board, you have been included as a former account holder, they are computer generated and no one told the computer your debt had been sold, it’s as simple as that.