Full and Final Settlement Options

SeeTheDoughnut

That’s great, thank you. I’ll just let time pass and see what happens. Hopefully they won’t find the credit agreement.

sourcrates

The letters they send are generic, and not specific to everyone's circumstances.

If an account has dropped off your file, then no further reporting will take place regardless of what happens.

SeeTheDoughnut

Thanks sourcrstes! It looks as though this is turning out quite well.  Haven’t heard from other creditors since acknowledgment of my request for credit agreements.  It’s been a few months, so looks as though they haven’t found any credit agreements either. 

PM22

That would be amazing for you if they don't find them!

raga

Good afternoon all.

Continuing onto this thread as it is to do with Barclaycard and PRA.
Is writing to PRA offering FF settlement resets the statue barred clock?
Appreciate your help. Thanks

RAS

Yes but please start your own thread. The big red blob in the lower right hand corner.

fatbelly

raga said:

Good afternoon all.

Continuing onto this thread as it is to do with Barclaycard and PRA.
Is writing to PRA offering FF settlement resets the statue barred clock?
Appreciate your help. Thanks

We always recommend using the National debtline standard letter and amending it as little as possible

https://nationaldebtline.org/get-information/sample-letters/full-and-final-settlement-offer/

You'll see that it is headed 'without prejudice'

'without prejudice' negotiations are done outside the court process and cannot be used as part of a court claim. Not all communications headed 'without prejudice' are genuine but courts have held that they are genuine if they contain an element of negotiation.

So follow our guidance and you should be ok.

SeeTheDoughnut

Update! So, here’s where we are after sending the requests for credit agreements:

Sainsburys (with link) confirmed in writing as unenforceable 

My Barclaycard (with PRA) confirmed in writing as unenforceable 

Husband Barclaycard (with PRA) activity paused, pending documentation being found

Bank of Scotland (with Link) confirmed in writing as unenforceable 

Capital One (with Lowell) on hold pending documentation being found

So far, so good!

Slightly concerned about Virgin. This is with Capquest.  They wrote a while back to say activity paused, pending documentation being found.  Had a letter today saying they have passed account to Resolvecall. There was a letter enclosed from Resolvecall to say that if I don’t contact them within 7 days, they will be instructed by Capquest to come to the house! What now? Can they do this?

fatbelly

Tell them to bring the cca when they come!

SeeTheDoughnut

fatbelly said:

Tell them to bring the cca when they come!

 Haha! No, what if they actually found it? Eek!