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PRA help please!

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  • #1

    PRA help please!

    Hello!

    i had a debt with 4000 left with Barclays, they sold the debt to PRA group, I requested the CCA which I received within a week or so... I have since sent them a f&f offer of £550, they declined the offer asking for a minimum of £3811.62.

    has anyone got any advice on where I go from here? I have no idea how to negotiate with them and their offer is so so far away from what I would be able to organise!!

    thank you
    Tags: None
  • #2
    Hi & welcome

    What is the alleged debt for? (Credit card? OD? etc)
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment

    • #3
      Thank you! Oops... it’s a credit card debt, got a bit out of hand huge interest etc

      Comment

      • #4
        Originally posted by Nr79 View Post
        Thank you! Oops... it’s a credit card debt, got a bit out of hand huge interest etc
        When did the credit agreement terminate?

        When was the last payment to it?

        Have you since acknowledged owing it in writing?
        CAVEAT LECTOR

        This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb

        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.

        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick

        Comment

        • #5
          My last payment was when it was still with Barclays, so December. I acknowledged I had received a reconstituted copy of the agreement but that’s all.

          how do I find out when an agreement ended?
          thanks for your responses, very much appreciated

          Comment

          • #6
            SAR Barclays for all data held pertaining to this agreement.

            Example - https://legalbeagles.info/library/gu...ccess-request/

            Keep a copy & get proof of posting.
            CAVEAT LECTOR

            This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

            You and I do not see things as they are. We see things as we are.
            Cohen, Herb

            There is danger when a man throws his tongue into high gear before he
            gets his brain a-going.
            Phelps, C. C.

            "They couldn't hit an elephant at this distance!"
            The last words of John Sedgwick

            Comment

            • #7
              Thank you, will do this tomorrow.

              im not disputing in anyway that I don’t owe the money, although in total over the last couple of years Barclays took off almost £1800 for “irresponsible lending”

              are PRA likely to budge on their offer do you think? I hadn’t gotten as far as thinking how I would respond to an offer rejection. Sorry if any questions are stupid I have no experience in this & am trying to get as much info as possible

              Comment

              • #8
                Get the info first (via the SAR)
                Always negotiate from a position of strength.

                If it were me I'd write to PRA to say that details are being sourced from Barclays &, once received, this will be dealt with accordingly
                Again, keep copy & get proof of posting. (either free cert of posting, or 'tracked' SignedFor.)

                & do not deal with them via the 'phone.....they only have their own interests at heart!
                CAVEAT LECTOR

                This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                You and I do not see things as they are. We see things as we are.
                Cohen, Herb

                There is danger when a man throws his tongue into high gear before he
                gets his brain a-going.
                Phelps, C. C.

                "They couldn't hit an elephant at this distance!"
                The last words of John Sedgwick

                Comment

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