PRA/Judge and Priestley letter for an unknown debt.

[Nomore Baloney]

I have been paying Judge and Priestley £15pm for about 8 years or so. I can't remember what for amd never having had one piece of correspondance from them during that time stopped paying about 3 months ago. I do rememember going through the CCA request procedure as advised by this site with them before I started repayments and therefore think the debt is enforceable.

 

The letter tells me that they have suspended my account some time ago due to Covid (news to me..) but as times are easing they would like a full income and expenditure disclosure. I'd rather not do that, especially as I am in receipt of my state pension now i'm  68. It appears the debt has been sold on at some point to the PRA Group which I was unaware of hence no reference I guess to the original debts origin.

 

Do I have to complete J&P's detailed forms?

 

I think at this stage my best route is to ask what the debt is for, and why have I not received any correspondance or statements from then for many years? I would also like to see any correspondance they do hold between them and me.

What advice would you give folks?

 

Thanks

[dx100uk]

as long as its not a letter of claim and this debt is not subject to a court judgement pers i'd stop paying and ignore them.

you should never blindly be pay a DCA on any debt you have zero idea what it's all about for so long.

 

if you have moved since you last wrote to them or setup this plan

then simply send them a short letter telling them so, to prevent backdoor CCJ's

dx

 

[Nomore Baloney]

They have my current address (rented fore last 7 years) so no back door CCJ. I dont want to even go there as they assert that the debt outstanding is still £4,000 which I don't want to find.

 

Their letter says this will be their final attempt to contact me and in the event of no response, will take the matter further. I appreciate your point of ignoring them which is very tempting, but with a £4k debt, they might go straight for my financial jugular don't you think? What about just restarting my £15pm payments?

[dx100uk]

no good keep playing secret squirrel and running away.

how do they know your current address , you've told them before in writing?

 

when was the lasttime you sent PRA a CCa request?

 

dx

 

[Nomore Baloney]

Think I told them when I moved to rented in 2013. Not sure now, was years ago and I'm several computers on from then, lol. Anyway, they have it now as they have written to me.

 

 

[dx100uk]

they don't and could file a claim against any old adderess

 

why not send them a new CCa request

that will kill 2 birds 

give them your correct address

and get a copy of the card they hold.

 

then you can scan it up and we can check it's enforceable.

 

you need to stop playing secret squirrell with use too.

looking at you threads ...the days of hiding what debts are all about vanished long ago

[Nomore Baloney]

Just checked my Credit Karma file, they did a hard search on me a few weeks ago. Bit naughty of them.

[dx100uk]

why? no it's not. who told you that.

 

you've let them mug you blind for 15yrs after paying for advice from some stupid we'll write your debts off scammers years ago and believing what they told you i see..you could have done that for £1 via a CCa request yourself.

 

send them a new CCA request, scan up their reply.

 

 

 

 

[Nomore Baloney]

 

I will send them a new CCA request as you suggest though.

 

[dx100uk]

Just type no need to keep hitting quote.

 

Yes and scan up when it comes back