PRA Group now say debt enforceabke and saying it wasn’t CCA

LPLeeds20

hello - first post, ‘long time lurker’ 
we are looking to offer full and final to our debts that we were managing through a DMP with SC. We have decided to self manage and have wrote to our creditors requesting CCA.
PRA Group initially wrote to say the deem our old Barclay card debt unenforceable. Then 10 days later sent through a copy of a statements from when the debt defaulted in Nov 2017 - July 2018. They haven’t supplied anything else no credit agreement or terms. We have received letter today saying the debt in ‘no longer unenforceable’ based on these statements (in other words it’s enforceable) We opened the account about back in 2005 (we think).
My question Is... are they right, is the debt now enforcement based on 18 months worth of copy statements and nothing else? 
Appreciate any advice - thank you! 

Suseka97

Have a read of this... 

https://debtcamel.co.uk/ask-cca-agreement-for-debt/

It helpfully sets our what a CCA request should look like and what should be returned in order for the debt to be enforceable - so as you've surmised it is the credit card agreement itself that is the main document, although it can also be a reconstituted copy of an original agreement.  If in doubt then there are forums with legal experts who can check out what you've been sent and advise next steps, but in this case I would go back to them and challenge the claim that these statements, in isolation of any other paperwork, make the debt now enforceable.

LPLeeds20

Thank you @Suseka97 I appreciate your help 😊

User_060921

Sorry to piggy back this, if you are in a DMP with sc, do you send the CCa request to step change, the company who are managing the debt or the original provider ?

Thankyou 

sourcrates

Fusterclucker said:

Sorry to piggy back this, if you are in a DMP with sc, do you send the CCa request to step change, the company who are managing the debt or the original provider ?

Thankyou 

Well let’s put it this way, the collection agency managing your debt won’t have it.

If stepchange have it, something is seriously wrong.

It always, always stays with the original creditor, so that is where your letter should be sent.

User_060921

I get the company managing the debt don’t have it but surely if they are managing it then enquiries about it go through them ?

User_060921

Actually just found this on debt camel?

Some points to be careful about:

• ask the current creditor for the CCA agreement, not the original creditor;
• you have to send a cheque or a postal order for £1;
• send the letter recorded delivery, keep a copy of it and the postage receipt.

sourcrates

The collection company should pass it back to the OC.

But.

They don’t always do that, most of the time they will just write back telling you they have passed the debt back to the OC, they simply don’t want to get involved.

If you want to waste time, send it to the collector, you may get lucky.

See what happens.