Hi new to the board,
I have an old MNBA debt around 3 years old, PRA group have purchased it and time to to they send these offers for my account to be closed, my concern is they are trying to make me admit debt and it doesn't state it will be full and final settlement just that the account will be closed, will they sell it on for the remainder, the discount is 65%?
heres the wording:
65.00% discount on your account
There is the option of 65.00% discount available if it would help you manage your account:
Please note this offer will expire on Monday 22nd June 2021
Use your discount in 3 easy steps:
Log in online using your name, date of birth and postcode (or reference number & password from a PRA letter)
Select your MBNA Limited account and click 'make a one-off payment'
Enter £*** and pay by debit card
We will do the rest and send you a letter to confirm your account is closed.
If appropriate, your credit file will be updated to show you have made a payment. However, paying this amount will not look as positive on your credit file as paying off your balance in full would. There are other options too, so get in touch to discuss what else you can do.