Negotiating payment with PRA

[warwick65]

Re: Negotiating payment with PRA

BusyMum

No one can tell you what you should do i am afraid, it really is down to you but I think you know my story

Back in 2012 I sent CCA requests to all my creditors and stopped all payments because I was not working and could not afford even a token payment . Even if I had paid £1 a month to each it would have been over £20 a month - yes that many!

Since then only 3 ( I think) came back with enforceable agreements ( all my debts were pre Apr 2007) and I currently have 1 court claim against me which I am hopeful of winning. Even the other 2 enforceable agreements have problems in other areas such as default notices etc

the first year was fairly full on , sending letters and replying etc although I am a tad OCD at keeping records - I keep copies in a file and scanned copies in the cloud of everything I send and receive including cheques and postal orders for CCA requests etc

By sometime 2018 I will be almost debt free

It helps of course that i have no assets and no job so no 'income' and I have in the past written to my largest creditor ( some £15K saying if they think they can prove I owe them any money , which I deny, than make me bankrupt which would do me a favour- funnily enough they haven't.)

[charitynjw]

Re: Negotiating payment with PRA

BusyMum

No one can tell you what you should do i am afraid, it really is down to you but I think you know my story

Back in 2012 I sent CCA requests to all my creditors and stopped all payments because I was not working and could not afford even a token payment . Even if I had paid £1 a month to each it would have been over £20 a month - yes that many!

Since then only 3 ( I think) came back with enforceable agreements ( all my debts were pre Apr 2007) and I currently have 1 court claim against me which I am hopeful of winning. Even the other 2 enforceable agreements have problems in other areas such as default notices etc

the first year was fairly full on , sending letters and replying etc although I am a tad OCD at keeping records - I keep copies in a file and scanned copies in the cloud of everything I send and receive including cheques and postal orders for CCA requests etc

By sometime 2018 I will be almost debt free

It helps of course that i have no assets and no job so no 'income' and I have in the past written to my largest creditor ( some £15K saying if they think they can prove I owe them any money , which I deny, than make me bankrupt which would do me a favour- funnily enough they haven't.)

Many, many years ago I was taken to court over a business debt......I was self-employed, so was personally liable.
Nothing I could have done, it was entirely due to the then recession.
I explained to the Judge that I had informed the Claimant on many occasions that I was potless, boracic.
The Judge sort of winked at me, & said that he found for the Claimant & that I had to pay.
The Claimant had a big cheesy grin on his face, which slowly began to fade.
He turned to the Judge & asked "So how do I get my money?"
The Judge replied "That's your problem, I only pronounce the judgment!"
Moral of the story......no point in suing someone unless you know they can pay up!

[Diana M]

Re: Negotiating payment with PRA

I think they've all been merged now xx

Maybe I've cause the mayhem when I suggested that a separate thread for each of the OP's debts (which would need separate advice) would be helpful.

Also having a separate thread for each debt will make it easier for volunteers to help you. Different debt purchasers act in different ways. What works with one may not work with the other.

Any which are still with the original creditors will need a different approach too.

The common denominator may be you, but everything else can go off in all sorts of different directions.

Di