PRA Group - Constant Harrassment from Old Welcome Loans

[Hideyspidey]

HI

I had 2 loans with welcome finance dated 2007 and 2008.

I spent years paying them and then did SAR and saw that i had overpaid as they had overloaded charges.

I wrote to welcome who ignored me on this yet insisted i owed £454 on a cash loan and £6700 on a car loan.

I just gave up with them yet kept all the evidence.

 

Then i get a letter from PRA group about 5 or 6 years ago, could be even more saying they have purchased the debts and i am to pay them.

I ignored these letters because i do not acknowledge any debt with welcome.

 

Now for years i have been getting many phone calls a week, they go straight to voicemail as i have blocked them. 

I have never once called them back or written to them as i dont want to get into a conservation with them and thought after all this time they would give up.

 

But no, i get my annual statement each year and now the letters have started again and the phonecalls have increased.

I am to keep ignoring them or should i finally make contact and tell them to go away,

im afraid to do so in case they bother me more.

 

TIA

[dx100uk]

have you moved since taking out the Loan and not informed either welcome or PRA of your correct and current address?

[Hideyspidey]

No.  Not moved at all.  I can't understand why pra group bought a debt that doesn't exist.  Surely anything is statute barred now?

[dx100uk]

well on the books the debts  did exist at time of assignment to PRA.

 

the fact that they are now statute barred doesn't stop DCA's from trying to fleece people that know no better incase they want to wet themselves and cough up free money...see the red bits below.

 

as long as the non car loan was not secured by a charge upon your property then both are now statute barred.

 

send an individual statute barred letter (which is in our debt collection section of our library) for each debt to PRA.

 

once you've read that, you'll see they must cease and desist. ..job done.

[Hideyspidey]

Thank you so much.  Donation on way.