PRA

inminniesroom

So helpful thank you 

inminniesroom

These replies are  really positive thank you 

fatbelly

The thing with cca s77-9 unenforceability is that it's best viewed as temporary unenforceability - still useful for negotiating but can be enforceable again if they can reconstruct the paperwork to a judge's satisfaction.

Being unenforceable through being statute barred is the end of the journey - it's a complete defence should anyone be stupid enough  to start a court claim.

Rob5342

inminniesroom said:

Thanks but the debt has been passed to PRA can I still get CCA ?? 

You don't actually want them to provide the CCA, you want them to be unable to find it after you request it, then the debt become unenforcable until they find it (which is hopefully never). The chance of them being unable to find it is higher with older debts and those that have been sold. It's a long game though as it doesn't become statute barred until 6 years after you stop acknolwdging it, and if they produce it in that time then it becomes enforcable again. If you are happy to hold out that long then it's well worth a go though (and it would be quite nice to see them admit its unenforcable after turning down your settlement offer!)

inminniesroom

I will contact PRA thank you .Is there a template or do I just request the original agreement? Thanks 

fatbelly

In the factsheet I posted earlier

https://nationaldebtline.org/sample-letters/information-about-your-agreement-under-consumer-credit-act/

Rob5342

They sent the £1 cheque back when I did it, but you still have to include it to make the request valid.

When was the credit card originially taken out?

inminniesroom

About 6/7 years ago 

inminniesroom

PRA Hi they replied but sent a statement of the debt not a CCA ! Any suggestions would be appreciated thanks

DjangoUnchained

thats good news, you can just ignore them now.