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It this Unenforceable
Lady_Jennifer
Posts: 3 Newbie
I have “recently” received a letter from PRA who I had been studiously ignoring for some time, however I called them back and said I didn’t recognise the debt and asked for details.
They put it on hold until 17th of March and this letter arrived...
After the obligatory panic period it slowly dawned on me that this may be out of time.
My question is:
Is it out of time and what do I do now? I have looked at some letter templates in https://forums.moneysavingexpert.com/discussion/6027755/statute-barred-debts-and-the-limitation-act#latest but I am not sure which, if any, to use.
Please help.
LJ
0
Comments
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Just looking at the address in the top right, are you in Scotland, or England?0
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I'm in SE England (Sussex)0
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I withdraw the question. Further details have arrived showing payments made in 20230
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Payments by who though?Lady_Jennifer said:I withdraw the question. Further details have arrived showing payments made in 2023I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Did you make a payment in 2023 ?
if not who did?0 -
And when in 2023? There may still be a full 6 year gap?sourcrates said:
Payments by who though?Lady_Jennifer said:I withdraw the question. Further details have arrived showing payments made in 20230 -
Would a collection agency make a payment to ensure an account doesn't become statute barred??I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅1 -
No but its common practice for debt purchasing companies to move small amounts of money, say £2, into an account to make it look as though a payment was made.Brie said:Would a collection agency make a payment to ensure an account doesn't become statute barred??
Of course it won`t affect the limitation period, but they hope you don`t realise that.
I hope the OP can elaborate more on when these payments were made and by whom.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Based on their written evidence, both accounts became statute barred on 29/6/23
Send a statute barred letter and ignore everything short of a pre-action protocol letter0 -
Lady_Jennifer said:I withdraw the question. Further details have arrived showing payments made in 2023majority of PRA letters come from scotlandI 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
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