Hi Guys,
I am slightly confused as to what to do. I will explain the situation below and then explain the confusion. Any help/advice would be more than appreciated.
I received a phone call yesterday on my mobile phone from a lady called AMY from the "PRA Group".
She claims that I have a "G.E.Capital bank store credit card" debt of £310.91.
I am not aware of this debt and told her as such.
She told me that I apparently took this agreement out in 2002
and that they had owned the debt (as mckenzie hall) since 2007.
She told me that after the name change/merge all files were being revisited.
I advised this was the first I had heard about it and took the relevant details
and told her I would be writing/emailing them shortly.
I have looked through my records and I definitely have no records relating to this.
I have even gone onto my credit report and nothing there shows any reference to a
g.e.capital account, mckenzie hall account or a PRA Group account.
As far as I am aware I have never had such a debt nor never even been contacted about such a debt.
I was going to send them a prove it letter,
however, this is where the confusion lies,
after reading some posts on here it seems to suggest it is also statute barred (if it exists at all).
What is the best way to proceed?
Should I send a prove it letter?
A Statute barred letter?
or a combination of both?
Any help would be greatly appreciated.
Kind Regards