Yes. The CCA is for execution of post ccj enforcement as well as other things.

VHello,

I'm hoping someone can provide some advice on something.

Over 6 years ago now (long enough it's just dropped off my file) i received a default which was subsequently passed on to Mackenzie Hall.

I made no communication until i received a more threatening email in 2013 at which point i panicked and offered £5 per week and provided my name and address for their "data confidentiality reasons". (see question 1 - also yes, naive to think an email could be threatening but i didn't do my research first...)

In 2014 i sent of a CCA request and subsequent follow on letters after receiving nothing.

At some point in time this changed to PRA group but as mentioned above it's now dropped off my file.

Today, and for the last probably year or so, all I've had is repetitive automated voice mails, no letters, no actual people calling me, just automated voicemails asking me to phone them back.

I've moved address but have the royal mail forwarding service in case of any letters that fall through the cracks, hence why i can say no letters.

To my knowledge, i never received any notice of assignment, and certainly did not hear anything back from the CCA request although i do recall receiving my £1 statutory payment back saying it wasn't required, and i've just read elsewhere this means that it was not a legally binding CCA request?! (question 2)

Note: The reason i sent a CCA request was because i was disputing the amount of the default and how much they were saying i apparently owed them.

I have paid any other debts and defaults (where applicable) i have had, and I am in a much more stable position now with my credit file coming along leaps and bounds

. (Wanted to clear that up in case people think i want a get out of jail free card)

1. I'm assuming (but praying i'm wrong) that me panicking and providing my name and address and offering £5 per week is acknowledgement of the debt, so therefore my statute barred date is actually 2019 now despite the default dropping off my file?

(Note i have never made any payment, only an offer that was never followed through as the original reported amount was exactly the same to the day the default dropped off my file)

1a. This email conversation was with Mackenzie hall, i wonder if PRA would have all of that still?

2. Is this accurate with the CCA request?

Should i re-send one even though the circumstances are

a) it's no longer on my credit file,

b) they don't send any letters, only automated voicemails?

3. If a letter does slip through the cracks despite having a forwarding service set up, what can i do?

Other factor(s):

- For the last 3 years on my credit file, until the drop off, it was reported as "unknown status". I don't know if that is normal for defaults though?

- The main initial dispute hence the CCA was around the amount i owed them. I am attempting in a couple of years to get a mortgage, so i really can't afford for a CCJ to crop up or anything but i don't want to just give in and pay the amount they are demanding... especially given the facts above..

Any advice appreciated... I know i've written quite a bit, but if i've missed anything that may be useful, i'm happy to divulge

Merged your old thread

So what's the debt about please?

Ahh thanks dx! In all honesty i forgot about this thread.

It's related to quick quid. It's been a long time since any action on it (hence why i forgot about this thread ) which has led me to the above post. I'm a little lost on where i stand with it all at the minute.

Are there specific details you're after when you ask what it's about?

OC

type of credit

Last payment date

OC: Quick quid (if you mean original creditor)

Type of credit: short term loan (payday)

Last payment date: Unsure exactly, probably around June 2011, nothing paid to any DCA's

So PRA have a QQ pdl debt?

You sure its not PRAC

Definitely PRA Group. Can provide the phone number i'm left with via automated voicemail if you want to confirm.

Kilmarnock address.

Dx PRA Group do deal with Eurocahsnet on collections.

Yeah its deffo PRA with that address -used to be Mckenzie Hall before they become PRA...

So how many PDLs have you had in the past?

I went through a phase of having a few, always repaid. Thought they were a great idea at the time.. Quickly learned otherwise and put a stop to it completely.

Not even really sure why i turned to them, but once i did, it cost so much to pay it back i got sucked back in to taking another, then another, etc. then had to break the cycle when i was no longer working full time as i had to drop hours to start university.

I've had a colourful financial past to say the least but i'm glad to say it was a bad point in life which i have learned the hard way from!!

If thats the case - you need to read this...

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=68285

Thanks fkofilee. I'll take a read of that, i've started browsing and looks like some bits could be / are relevant. Is it worth doing this even after almost 6 years (i think most have dropped off my file now so some in excess of 6 years)?

Any advice on the questions i most recently asked in post 27? I think it would be nice to have the shoe on the other foot based on this guide but my immediate concerns are what i most recently asked.

forget the CCA request

I doubt they'll have any record of your offer

dx

Ok, shall i just let things run their course until i get anything in the post? As i mentioned i cant even remember when the last letter i got was..

If so in the mean time i might print out that guide