Further developments to this......I received a letter from PRA Group saying that they have purchased the outstanding balance from Halifax. After sending a couple of "discount offer" letters, they have now sent the pre-litigation letter.

 

Am I right in thinking that I should download the PAP forms from CAG and fire them off to PRA, as per

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017(1-Viewing)-nbsp

 

Thanks

AM

Not until they send you theirs.

Andy

Thanks for the replies all.

I've already received the PAP pack from PRA (this was included with the litigation intent letter). Been given until the middle of next month to respond.

So, I guess I should send them my PAP documents?

I understand that they are likely calling my bluff as I have not long ago done the PAP stuff with HPH under CAG guidance. Just don't really want to take any chances that they may be being serious!!

Thanks

AM

All in post 4 of that thread

Ok, I went through the PAP procedure as detailed in post 4 of the thread

Today I received confirmation from PRA saying that they have received my request and have put the account on hold. They also said in the letter that as a gesture of goodwill, they do not charge the £1 statutory fee for the CCA.........surely this has nothing to do with goodwill???!!!

Along with the letter I also received an information sheet stating that "If for some reason they cannot provide the original document, they can provide a reconstituted one which doesn't have to be the agreement that was signed".....if this is the case, what is stopping them from just making something up?

Also, they have made no mention about the other documentation that I requested (as per post 4 of the PAP thread); does this mean that they do not have to provide this information?

Thanks again all

AM

Usual reply from them to a cca request

Safe to ignore

Ok thanks.

this morning a big fat letter dropped through my door from PRA with pretty much all of the information I asked for in the PAP.

If they go for a CCJ Im assuming they will probably get it granted......I'm a little worried about the whole charge order on property thing.

The house is in my wife's sole name as I was unable to participate due to my bad credit rating.

Would they be able to put a charging order on the house based on beneficial interest?

Not sure what to do now and where I stand with things!

Any help much appreciated!

No they cant

Sca n up what you have received to one multipage pdf

Read upload

You're jumping to conclusions now.

even IF they go for a court claim, who said they will win it?

a whole host of options to stop a claim, or settle out of court.

Mediation, tomlin orders etc, and thats actually if you legally owe it.

will say and do ANYTHING to get you to pay, even bluff you with paperwork, hoping you dont see something omitted.

Yes, I do have a habit of jumping to conclusions!

Thanks for the feedback.

Good to know the house is not in danger too!

Any ideas on what I should do now?

Should I attempt to make contact?

Set up a small payment (currently on a measly student income)?

Ignore?

Thanks.

already answered this in post 33

Ah sorry......completely missed the second part of that post! Viewing on mobile!

I do that too:lol:

Here is the PDF of all the documents that PRA sent to me in response to the PAP! Thanks again!!!!

Historical PAP documents sent from PRA.pdf

pages 1+2 are bit blurred need to see the text a bit more clearly

re the 2 sets of T&C's

is your name and address in the same font/size and the rest of the docs?

are the statement on Halifax notepaper or pra? logos etc

Thanks DX.

1. Sorry about that....I think that may be from compressing the file (was nearly 30Mb, compressed down to 2!). Looking at the document it all looks a little blurry! I will re-scan pages 1 and 2, but just so I don't misunderstand, are you referring to pages 1 and 2 as referenced from the PDF document?, i.e. the PRA cover letter and the first statement page?

2. Name and address look to be the same to me.

3. The statements aren't on headed note paper with any logos, Halifax or PRA......they look like they've just been typed up.

Much appreciated again!

no page 20 sorry the signed agreement

and where is page one of thatagreement?

Ah yes, that one is pretty bad! I will make a HD single scan of this and upload it!

The one they sent me is pretty bad as it looks to be a photocopy, so I will do my best with it!

Ok, here is the best scan I can make of that document; hope it is possible to read it! I didn't compress it this time either!

Regarding page 1 of the agreement, this is all I was sent, so I don't have page 1.

Thanks again.

Agreement.PDF

number at the bottom of the other t&C scan we need to see those

that sheet says 3 of 8 you've chopped all the others off in the earlier scan those are very important.

we need the tops too as that one has a staple mark and says 1 of 2

these are all important details to show they DONT go together!

and its a PRA filing cabinet jobbie! [cut n paste NOT all from Halifax about YOUR specific agreement]

Ok no worries. Sorry, will rescan those and upload them. Thanks.

Here is the HD version of the agreement that was sent. For some reason, my scanner just would not capture the entire border of the pages and has cut the first part of the word "page" off! Hope this is ok?

These are the only two things with page numbers on, and as you say, the page with "page 1 of 2" at the top, says "page 4 of 8" at the bottom, and the one with "page 2 or 2" at the top says "page 3 of 8" at the bottom......I hadn't even noticed that!

Agreement (HD version).PDF

load of ole cut n paste bogroll then.

better luck next time PRA!!

It seems so! How would you recommend I play this? Should I ignore, or should I write to them asking why the page numbers don't match up? Thanks.

Noooooooooooo