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Full and Final Settlement Options
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SeeTheDoughnut said:I think PRA will be able to produce them, as the debt has only ever gone from Barclaycard to them. The other debts have been on a national tour of debt collectors, so less likely they will have them!0
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SeeTheDoughnut said:Thank you sourcrates. We will be continuing payment to StepChange while we await responses to the requests for original credit agreements, so I’m not expecting any further action from anyone at this point - we have made regular payments all along to stepchange.I was just wondering what would happen if they can’t produce the agreements. If we then stop paying, could we end up with a CCJ? Or is this not something they can do if there is no credit agreement?I think PRA will be able to produce them, as the debt has only ever gone from Barclaycard to them. The other debts have been on a national tour of debt collectors, so less likely they will have them!
Anyway the 6 year statute barred time came and went without me paying them a bean. When they wrote to me after, i phoned them up and asked them to confirm it was statute barred, i wouldnt pay them a thing. They conformed it and to my surprise they even put it in writing.
So before you offer them a full and final, i would demand the CCA, and then scrutinize it.
Personally, i know this will upset some people, i think stepchange are unnecessary , they get you to pay when you dont need to, they are funded by the banks. If id of followed the advice and direction of stepchange Id be at least £20,000 worse off.
good luck with your journey.1 -
Thank you stu12345_2
25% off seems quite good for PRA.0 -
yeah 25% off was a shock, they said pay it over 6 months if I wanted, but I couldn't afford to.
I said why the offer, they said offers come and go and 25% may not be available in the future.Christians Against Poverty solved my debt problem, when all other debt charities failed. Give them a call !! ( You don't have to be a Christian ! )
https://capuk.org/contact-us0 -
I sent a CCA request to PRA as soon as they purchased my barclaycard debt. I did this in Jan, I received an acknowledgement but I am still waiting to receive anything further…0
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freshstart2023 said:I sent a CCA request to PRA as soon as they purchased my barclaycard debt. I did this in Jan, I received an acknowledgement but I am still waiting to receive anything further…1
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Debts are sold in bulk, 1000`s of accounts at a time, sometimes they are sold very cheap on the understanding that there be no further contact in regard to them, i.e. sale or return, as they don`t want to deal with CCA requests from clients.
It`s not always the case, but if you make a request under sec 77/79, on a sold on debt, and the company simply return the debt to the original creditor, sometimes that is the reason why.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 -
DjangoUnchained said:freshstart2023 said:I sent a CCA request to PRA as soon as they purchased my barclaycard debt. I did this in Jan, I received an acknowledgement but I am still waiting to receive anything further…0
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they reply saying they are not in possession and, they put you account on hold, the debt still exists ( they say it is unenforceable) means they can't take you to court and they will contact when they find it,(be it months down the line or if your lucky ,never.)
if they do find it, expect a big white A4 envelope in the post, sometimes recorded deliveryChristians Against Poverty solved my debt problem, when all other debt charities failed. Give them a call !! ( You don't have to be a Christian ! )
https://capuk.org/contact-us1 -
Thankyou, yes I received that initial correspondence in January and definitely haven’t received any A4 envelopes. Will keep an eye out, thanks again0
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