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Not sure if i have had a default notice.
Lemonbelly
Posts: 35 Forumite
Had an arrangement to pay off a credit card and freeze interest which i kept to for a year then the debt was sold to PRA. I requested the CCA which they havnt been able to supply for over 4 years, during which i havnt paid them anything. Do i need an official default notice or will the debt be statute barred after 6 years anyway?
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I think it's more to do with your acknowledgement of the debt, either by a payment or written acknowledgement than if/when you get a default.Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.1
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It should have been defaulted before it was sold
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Have you checked your credit file?Lemonbelly said:Had an arrangement to pay off a credit card and freeze interest which i kept to for a year then the debt was sold to PRA. I requested the CCA which they havnt been able to supply for over 4 years, during which i havnt paid them anything. Do i need an official default notice or will the debt be statute barred after 6 years anyway?I have Dyslexia which is a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling so some post may not make sense.0 -
yes, nothing showing on my files with all the main agencies.Sly72 said:
Have you checked your credit file?Lemonbelly said:Had an arrangement to pay off a credit card and freeze interest which i kept to for a year then the debt was sold to PRA. I requested the CCA which they havnt been able to supply for over 4 years, during which i havnt paid them anything. Do i need an official default notice or will the debt be statute barred after 6 years anyway?0 -
My credit card showed a default with the lender, when it went over to PRA lenders default removed PRA added, so far PRA cannot get CCA so making no contact. What date did you start the arrangement to pay off a credit card ?Lemonbelly said:
yes, nothing showing on my files with all the main agencies.Sly72 said:
Have you checked your credit file?Lemonbelly said:Had an arrangement to pay off a credit card and freeze interest which i kept to for a year then the debt was sold to PRA. I requested the CCA which they havnt been able to supply for over 4 years, during which i havnt paid them anything. Do i need an official default notice or will the debt be statute barred after 6 years anyway?I have Dyslexia which is a learning difficulty that primarily affects the skills involved in accurate and fluent word reading and spelling so some post may not make sense.0 -
must have been about the end of 2018, ran for a year then sold to PRA, then i stopped so havnt paid pra anything.0
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