Old pay day loan advice

VillaFan1874
VillaFan1874 Posts: 8
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edited 2 February at 6:53PM in Credit file & ratings
Hello.  I have been written to by the PRA group referring to a pay day loan that goes back 13 years ago, and apparent last payment was 11 years ago!

I have no recollection of this so have asked for evidence.  Is this something that, if true, would have been written off by now as 11 years seems crazy and I have had NO communication from them since this time and certainly the last 9 years.

If there's is evidence, is it likely they will settle at a lesser payment to resolve? 

Any advice would be v welcome 

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