We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
PRA - Unenforceable but on DMP?
Options

essex201
Posts: 2 Newbie

Hi all,
Attempting to sort mum out of a hole of two decades of old debts. Barclaycard was bought by PRA at christmas and following threads here have sent all debtors CCA requests. PRA is the largest (50%) and the only to come back and say it's not enforceable. She's been on a DMP since June, but due to retirement and redundancy we have to stop - can we just now effectively ignore the PRA debt?
The other four creditors have smaller debts, but due to her income now dropping 80% I think the strategy should be to inform them of this, that the DMP has ceased due to circumstances, and that we can do a full and final of 20% to settle these with family lending. Does this seem a coherent idea?
Many thanks for any advice.
Attempting to sort mum out of a hole of two decades of old debts. Barclaycard was bought by PRA at christmas and following threads here have sent all debtors CCA requests. PRA is the largest (50%) and the only to come back and say it's not enforceable. She's been on a DMP since June, but due to retirement and redundancy we have to stop - can we just now effectively ignore the PRA debt?
The other four creditors have smaller debts, but due to her income now dropping 80% I think the strategy should be to inform them of this, that the DMP has ceased due to circumstances, and that we can do a full and final of 20% to settle these with family lending. Does this seem a coherent idea?
Many thanks for any advice.
0
Comments
-
essex201 said:Hi all,
Attempting to sort mum out of a hole of two decades of old debts. Barclaycard was bought by PRA at christmas and following threads here have sent all debtors CCA requests. PRA is the largest (50%) and the only to come back and say it's not enforceable. She's been on a DMP since June, but due to retirement and redundancy we have to stop - can we just now effectively ignore the PRA debt?
It's a lower priority now than the enforceable debts.
Your strategy seems sound - you may have to go up from 20% to settle though.
Are you sure an insolvency solution wouldn't be better value?1 -
fatbelly said:essex201 said:Hi all,
Attempting to sort mum out of a hole of two decades of old debts. Barclaycard was bought by PRA at christmas and following threads here have sent all debtors CCA requests. PRA is the largest (50%) and the only to come back and say it's not enforceable. She's been on a DMP since June, but due to retirement and redundancy we have to stop - can we just now effectively ignore the PRA debt?
It's a lower priority now than the enforceable debts.
Your strategy seems sound - you may have to go up from 20% to settle though.
Are you sure an insolvency solution wouldn't be better value?0 -
Sounds like you are on top of things and I agree with Fatbelly, that you may have to go up from the 20% (some DCAs can be a bit stubborn on that score).
As for PRA, I'd set them aside for now - but be aware that they will still keep writing to your mum regardless of the UE status. Just ignore the letters and you may find that they start offering you discounts further down the line. Of course, assuming they stay UE then you could just park them for good.
0 -
my pra account has been UE for over 4 years now, every couple of months i get a statement, offering me 20% off ie pay 80%, while its UE they can get nothing.0
-
even if they did come back with a legit CCA i would let them take me to court as chances are they would mess it up anyway.0
-
DjangoUnchained said:even if they did come back with a legit CCA i would let them take me to court as chances are they would mess it up anyway.1
-
Also be worth checking credit rating to see if any debts are showing on there0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 350.8K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.8K Work, Benefits & Business
- 598.6K Mortgages, Homes & Bills
- 176.8K Life & Family
- 257K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards