PRA Unenforceable Update

GP1983

Hi everyone, 

Firstly, thank you to everyone who has helped me thus far. I really appreciate it. 

PRA has now admitted, in writing, that the debt relating to Barclaycard is unenforceable and that they are unable to take legal action to recover it. 

I have also got them to confirm in writing:

- The amount is unenforceable
- They can not take legal action to recover it 
- That they must only write to me by email or post and that I won't answer phone calls 
- That they understand I am a non-UK resident

I then offered them £500 to close the account as a good will gesture, which I consider more than reasonable considering they have failed to produce a CCA agreement.

Bizarrely, they wrote back to say that they would now only accept 95% of the total owed. I wrote back again, stating that they originally offered me a 65% discount (3 weeks ago) and to relook at their emails. I've just received an email stating that although they offered me that deal 3 weeks ago, they no longer can. 

The whole thing seems bizarre, and who knows what they are thinking. I don't have time for this charade; it's as if they don't want the money. 

Anyway, I obviously have no intention of paying this amount, and my final question is - should I send them a final email and state that I have no intention of paying anything until such time as they produce a valid CCA agreement?

Or shall I just stop paying and playing this bizarre game and wait for them to contact me by email? 

Thanks again.

eskbanker

Wouldn't it make more sense to post that in one of your existing threads with all the context and background, rather than starting another new one?

GP1983

Yes it would. Thanks for the tip - I will do that now.

sourcrates

Argh......too many threads running on this !!

PRA Group are renowned for not offering much in the way of discounts, on any of the accounts they buy.

So yes, stop playing this bizarre game, you have had it confirmed unenforceable, move on and concentrate on the debts that are enforceable.

GP1983

Thanks for your help and apologies for the confusion.