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Morning, I will be as concise as possible. I have 6 debts, all in default, within 12 months all 6 will be over 6 years old. I have been maintaining them myself for years using income and expenditure sheets and paying them all minimal amounts as thats all I can afford. I am dealing with PRA, Link x2 Avarto Wescot and Intrum. 5 are credit cards and 1 is overdraft, they total more than 35K. I have sent CCA requests to LINK (ex Bcard and Coop) Intrum (ex Tesco) and PRA (ex MBNA) I didnt send one to Wescot as they manage it for Santander and the Arvato is the overdraft one. PRA and Intrum have replied saying that they have suspended collections while they attempt to get the information. Link have replied saying neither original company can supply the agreements within the 12 days so the debt is unenforceable however the outstanding balance remains collectable and it is acceptable to register and continue reporting the default.
So my question(s) are Do I write to Link saying as its unenforceable I am suspending payment until the find the CCA? (I have stopped paying Intrum and PRA as they have said that the account in on hold)
Also I may be in a position to offer small full and final settlements to everyone, as a family member wants them all off my back. Whats your advice? Negotiate? Or just stop paying?
Many thanks to everyone
So my question(s) are Do I write to Link saying as its unenforceable I am suspending payment until the find the CCA? (I have stopped paying Intrum and PRA as they have said that the account in on hold)
Also I may be in a position to offer small full and final settlements to everyone, as a family member wants them all off my back. Whats your advice? Negotiate? Or just stop paying?
Many thanks to everyone
