PRA

ManyWays

There is also going to court and getting a CCJ... 2 totally different concepts
The creditor has produced the CCA and there is no chance of this debt being statute barred, so what defence are you suggesting might work? 

SPM87

a CCA on its own is not enough for one. Proof of default etc... among other things, what makes you think it is worth the cost to take him to court in the first place? 

I notice you ignored my main point, you should not be on here telling people to pay "reasonable" amounts back to parasite DCAs.. 

ManyWays

And you should not be encouraging people to think it is easy to win court cases when there is no obvious defence. Most people would prefer to avoid court.

Read some of my other comments, I don't think you will think they come from someone who works for a DCA. 

SPM87

where in my statements did I say it was easy, you easily assumed Court = CCJ though. 
I ask again, where is the evidence for your statements of repayments

tigergambit

SPM87 said:

"you do need to be paying them a sensible amount each month if you dont want them to go to court and you get a CCJ." sorry but provide evidence of this being a reality. The OP disproves your comment in his original comment and yet you confidently say such nonsense as the bit highlighted in bold. 

There is also going to court and getting a CCJ... 2 totally different concepts. Do half of you on here work for DCAs? 

OP, pay them down to £1 per month and I predict they wont even set foot in a court room, you have probably already paid their costs for this debt by now even at £5 per month

I agree, make an excuse (CT Arrears?) and reduce payment to £1 per month if they won't agree a sensible F&F. Try again with the F&F after a year.

1stTimer

Thanks again for all the replies, I figured I would give a quick update.

PRA have sent another letter to say they have passed the debt onto Moorcroft so I will continue to ignore and so far no LBA 

sourcrates

1stTimer said:

Thanks again for all the replies, I figured I would give a quick update.

PRA have sent another letter to say they have passed the debt onto Moorcroft so I will continue to ignore and so far no LBA 

And keep in mind Moorcroft are only managing this account, as PRA are the legal owners, only PRA can take enforcement action, not Moorcroft.

They will go through there range of standard letters with you, and in time if you don`t respond, they will simply return the account to PRA group.

1stTimer

Thanks Sourcrates

Will take note and not respond