It this Unenforceable

Lady_Jennifer

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

 

MattMattMattUK

Just looking at the address in the top right, are you in Scotland, or England?

Lady_Jennifer

I'm in SE England (Sussex)

Lady_Jennifer

I withdraw the question. Further details have arrived showing payments made in 2023

sourcrates

Lady_Jennifer said:

I withdraw the question. Further details have arrived showing payments made in 2023

Payments by who though?

Tony5896

Did you make a payment in 2023 ? 

if not who did?

Themoneyshot

sourcrates said:

Lady_Jennifer said:

I withdraw the question. Further details have arrived showing payments made in 2023

Payments by who though?

And when in 2023? There may still be a full 6 year gap?

Brie

Would a collection agency make a payment to ensure an account doesn't become statute barred??

sourcrates

Brie said:

Would a collection agency make a payment to ensure an account doesn't become statute barred??

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.

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.

fatbelly

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 letter

Sly72

Lady_Jennifer said:

I withdraw the question. Further details have arrived showing payments made in 2023

majority of PRA letters come from scotland