I wonder if anyone could offer me some advice on a default that has been applied to an unenforcible credit card debt I have.
The debt was originially an Egg credit card taken out in 2001, it was passed to Barclaycard in about 2011, and was defaulted and passed to PRA Group in 2021 when I started a debt management plan. I sent PRA a CCA request in February this year, and they have replied saying Barclaycard can't providde a copy of the original agreement and they have deemed it unenforcibe. They also enclosed a copy of a letter from Barclaycard saying they were unable to provide histroic terms.
I've heard that defaults shouldn't be applied to pre-2007 debts that are unenforcible. Do I have any grounds for complaining and getting the default removed, or would that just make them more likely to look for information that could make it enforcible?
The debt was originially an Egg credit card taken out in 2001, it was passed to Barclaycard in about 2011, and was defaulted and passed to PRA Group in 2021 when I started a debt management plan. I sent PRA a CCA request in February this year, and they have replied saying Barclaycard can't providde a copy of the original agreement and they have deemed it unenforcibe. They also enclosed a copy of a letter from Barclaycard saying they were unable to provide histroic terms.
I've heard that defaults shouldn't be applied to pre-2007 debts that are unenforcible. Do I have any grounds for complaining and getting the default removed, or would that just make them more likely to look for information that could make it enforcible?
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