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PRA Group want more money (Old MBNA) whilst on ESA


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Hi

 

About 16 months ago MBNA sold my account to the PRA group.

I have faithfully been paying £10 a month.

 

I am on ESA and PIP for border line personality disorder so unable to work

I am 59 and live alone no family so I look after my own financial accounts.

 

Last month PRA contacted me for more details as they want to up the payment I owe £600.

 

I sent a copy outlining my diagnosis and that I was in receipt of benefits.

 

This not seem to have satisfied them and they want a complete breakdown of my in and out goings

- the form is invasive and TRIGGERED a bad reaction.

 

I am in the support group and been diagnosed by a psychiatrist so I am not pulling the wool over anyone's eyes

- but I am worried.

 

Can they make me pay any more, to be honest £10 a month is a lot to me, can they take me to court.

 

Do I have to fill and send the form back to them they have a letter from a certified health personal telling them I am ill.

 

Sorry for the long email.

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woe slow down..

 

they are a DCA

a DCA IS NOT A BAILIFF

they have

NO SUCH LEGAL POWERS

why are you giving them all this info??

 

ITS NONE OF THEIR BUSINESS.!!

 

tell us about the MBNA card

when did you take it out

when did MBNA sell the debt to PRA Group.

have you sent them a CCA request?

have you looked at reclaiming PPI/PENALTY charges MBNA might owe you?

 

never ever BLINDLY pay a DCA!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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woe slow down..

 

they are a DCA

a DCA IS NOT A BAILIFF

they have

NO SUCH LEGAL POWERS

why are you giving them all this info??

 

ITS NONE OF THEIR BUSINESS.!!

 

tell us about the MBNA card

when did you take it out

when did MBNA sell the debt to PRA Group.

have you sent them a CCA request?

have you looked at reclaiming PPI/PENALTY charges MBNA might owe you?

 

never ever BLINDLY pay a DCA!

 

dx

 

 

Hi

 

Yes I sent them a CCA request before they took the debt over and I started to pay anything.

The old debt from MBNA goes back about 3 years.

 

I went to CAB and they sorted out the £10 a month payment

we filled out a income and outcome form which got sent to PRA

(nothing has changed since that time).

 

Why did I send them my medical report?

to get them off my back

 

 

I am not in a frame of mind to play games with them

- maybe I was wrong to do that,

but the truth is the truth I had nothing to hide.

 

I have written telling them there is no more money on the table

(I know they got the letter because I checked online and it was signed for).

 

Do I just keep sticking to my guns what about this recent incoming and outgoing form do I ignore it.

 

Thanks x

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ok all good

you ignore the medical/in/out requests

 

 

they have no legal right to see any of your pers details.

only a judge can demand those.

any PPI or PENALTY fees?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Stop playing mind games with the DCA. You are an individual, they are a corporation. They will win everytime.

 

Stop, go back 10 steps, continue paying them for now.

 

Reclaim your health before dealing with them in anyway. They cant force you to pay more if thats all you can afford.

 

If you are up to it... Why not complain to them. It could actually do you some good. They are treating you abysmally IMHO

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Sorry for being naive but what do you mean by mind games

(I ask because sometimes I find it hard to see clearly with BPD).

 

I am going to complain as I feel this is a sort of harassment (rightly or wrongly on my part)

they now know my situation) and yet still they hassle me.

 

Thanks for all the help I feel a lot calmer x.

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Sorry for being naive but what do you mean by mind games (I ask because sometimes I find it hard to see clearly with BPD).

I am going to complain as I feel this is a sort of harassment (rightly or wrongly on my part) they now know my situation) and yet still they hassle me.

 

Thanks for all the help I feel a lot calmer x.

 

Goodie! Thats what we are here for.

 

Playing mind games trying to one up a DCA wont work. Just stand your ground :) And dont let them get to you with any threatograms etc

 

Youll be fine :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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An absolutely obscene and truly criminal way to deal with someone dealing with mental health issues,

they are knowingly intimidating you and bullying you into making increased payments

as you are an easy target for them due to your circumstances,

they know you're in the vulnerable category so are exploiting you.

 

Not only is a complaint to them warranted,

but one to your local MP too,

inform them that these clowns are deliberately attempting to exploit you

, and to raise the issue in the commons.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 3 weeks later...

I have had another letter from the PRA group wanting to know why I did not send in the expenditure sheet.

 

They have given me a time deadline to reply (no mention of what will happen if not).

 

They seem to have forgotten they already know I am on benefits.

 

I paid my last payment as I have done everyone for the last 18 months or so.

 

Do I ignore or let them know I am on benefits and that there is no more money.

 

Thanksxx

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Today

yet another letter asking for me to resolve this matter.

 

They say they have been contacting me (ringing me) even though they know I asked for no calls,

they never leave a message though.

 

Today's letter asks for me to ring them or email them with a 'before date'

- they say they need to debt advice service to liase with them if I am having financial problems.

 

I have told them I am on benefits (I cannot go through speaking to yet another stranger) to sort my finances out.

Things are AOK I am ticking over and paying my debts by what I can manage.

 

I did speak to an advice line some years ago, and they told me to how handle it,

which I did by writing to my creditors, nothing has changed since which I have told PRA.

 

Yes I am in debt to MBNA and another company

- but I am paying (and never missed a payment) of the agreed amount (this they already know).

 

I feel I am being hassled what do I do - can I complain to anyone.

 

I have a diagnosed MH problem receiving ESA and PIP for said illness I cannot cope with this and have nobody to help me.

 

THey ask me to ring them, which I WILL NOT or email them what do I do as they will not accept my word.

 

Thanks.

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have you sent them a CCA Requestlink3.gif? yet

have you looked at reclaiming PPIlink3.gif/PENALTY charges MBNA might owe you?

 

never ever BLINDLY pay a DCA!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I did all of that right at the start

- we then entered an egreement of £10 a month subject to changes,

 

 

there have been no changes outside of being diagnosed with border line personality disorder hence the benefits.

 

I just want to know if they can keep hassling me and asking for more money.

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so if you sent a CCA request

who said it was enforceable?

we've not seen the return

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:lol::lol:

 

don't make me laugh

 

most CAB people wouldn't know which way up it even was.

 

can you scan it up please?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Send them this http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone-**Update-21st-April-2014**

 

Keep a diary of events regarding their harassment.

 

Once they have been sent that letter, ANY further calls they make can be reported as harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:lol::lol:

 

don't make me laugh

 

most CAB people wouldn't know which way up it even was.

 

can you scan it up please?

 

dx

 

Yes they did I saw a lady who deals with debt (why are you being so rude) they were very helpful.

I will find my own way through this if you are going to be like that:???:

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Send them this http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone-**Update-21st-April-2014**

 

Keep a diary of events regarding their harassment.

 

Once they have been sent that letter, ANY further calls they make can be reported as harassment.

Thank You I appreciate that.

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Yes they did I saw a lady who deals with debt (why are you being so rude) they were very helpful.

I will find my own way through this if you are going to be like that:???:

 

 

 

no being rude at all

unless the card was taken out after APR 2007

it very rare the MBNA agreement is enforceable

when did yo take the card out please?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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It was taken out in 2010.

 

I did not pay anything to PRA who where then aKTIV kAPITAL

until I got the paperwork back and verified that they owned the debt.

 

I had to wait several weeks to see the lady at CAB as she only deals with debt and DCA's (she is kept busy):)

I cant pay any more, so they must do what they will.

 

I don't know about the law,

but I have not defaulted on my/their agreed payment since the agreement

and there is no chance of any financial improvement in the next years.

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