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PRA group solicitor threatening legal action
agentblackcat
Posts: 63 Forumite
Hi Everyone
I did a CCA request to PRA group at first they could not find anything and sent me a letter confirming the debt was unenforceable this was in July 24. In Dec I received a letter from their recoveries team threatening their solicitors if I did not respond with 14 days. I wrote to them saying debt was unenforceable as their letter July 24. They then sent me what looked like my CCA. Today I received a letter from their solicitor threatening legal action if I don't pay full amount or set up Payment plan with 2 weeks. Can I just set up a payment with solicitor of what I can afford per month.? Debt is 5500. Thanks
I did a CCA request to PRA group at first they could not find anything and sent me a letter confirming the debt was unenforceable this was in July 24. In Dec I received a letter from their recoveries team threatening their solicitors if I did not respond with 14 days. I wrote to them saying debt was unenforceable as their letter July 24. They then sent me what looked like my CCA. Today I received a letter from their solicitor threatening legal action if I don't pay full amount or set up Payment plan with 2 weeks. Can I just set up a payment with solicitor of what I can afford per month.? Debt is 5500. Thanks
Debts Jan 2024 : £105000!!eek!!
Debts Sept 2024 : £81000
Debts Oct 2024: £73600
Debts Sept 2024 : £81000
Debts Oct 2024: £73600
0
Comments
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Of course you can, what else would you do?
If it went to court, payment would be set according to your budget, that`s how it works, so only offer what is affordable, they won`t get any more by taking legal action.
Don`t panic and agree something you can`t deliver.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-letter1 -
Thanks Sourcrates you are always so reassuring, I'll contact themDebts Jan 2024 : £105000!!eek!!
Debts Sept 2024 : £81000
Debts Oct 2024: £736000
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