Hi, an old Barclaycard debt has been with PRA for some time. I requested a copy of the CCA many months ago and they advised me that this could not be found and the debt was unenforceable but obviously still existed.
I have not been making payment and now months later they have forward me pages of transactions, still no CCA but they have said if I make no contact by a certain date they will contact me again.
Question is really how I should handle this. I have limited funds so cannot clear the debt any time soon or even make a small offer as settlement. Shall I maybe send another account in dispute letter?
Thanks
I have not been making payment and now months later they have forward me pages of transactions, still no CCA but they have said if I make no contact by a certain date they will contact me again.
Question is really how I should handle this. I have limited funds so cannot clear the debt any time soon or even make a small offer as settlement. Shall I maybe send another account in dispute letter?
Thanks
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