what do you send them?

dx

Apologies

Financial Statement.pdf

we know what an i&e looks like

why wold we want to see a blank one of those........

what did YOU send them to prompt them sending the above?

As advised above, I contacted creditors via an email saying I had closed my GP DMP and wanted to deal directly.

i was under the impression it was a CCA request to each one??

so what type of debt has PRA got,

what was it and who was the original creditor.

.let me guess MBNA credit Card..?

Hmm, I'm a bit useless at this.

I reread the earlier post from silverfox saying the cca was only good for dept pre 2007 but it's handy to have anyway.

I'll do that next.

yes mbna, credit card debt 7k,

I'll put up the letter from pra that includes the settlement offer.

It does mention cca on it but only briefly.

pra letter

pra1stletter.pdf

that not a return to a CCa request, even if you did send one

its simply the yearly statement they must send if they consider themselves the creditor [owner] of your debt.

I sent the cca on the 6th march, I got this letter back on the 8th but nothing since then.

pracca.pdf

Standard holding letter. Wait for them to comply. It could take a while-if at all!

they have 12+2 working days

if they've failed that you could stop any payment too them

And the reason they return the fee back...not as a gesture of goodwill...but because it removes the legality of your request ..unless payment is made and accepted the request is not legally valid.

Andy

Hi guys, it's been a while.

I've had a few developments since I was last on.

I received a letter from the PRA group (previous MBNA CC £7688) confirming the dept is unenforceable.

I've also received letters back from Link regarding the cca request.

I'm posting it up to double check my own suspicions that it to is unenforceable as none of the returned documents have my details on them.

I appreciate the replies and also the help I've received from the site, so thank you.

Honestly I don’t know when I opened the account, I’ve had so many in the past ten years. The dates on some of the sheets don’t match, some say 2006 and others 2014.

linkpdffixed.pdf

Its a reconstituted version thats why its blank...and so they have satisfied your request re section 78.

But if they wish to enforce it using a reconstituted version and your debt is pre or post April 2007...its useless because it should be a mirrored image of the original ...less your signature.

2 things, the original agreement was in 2006 according to the fax header so a reconstituted copy isnt allowable.

Secondly Link has used the CCA fee of £1 as a creidt to your debt so get onto them and inform them that this crookedness will not be tolerated as they are doing this deliberately to reset the SB clock.

im sure that others will have a form of words more appropriate

Its allowable in the case of complying with a section 77/78 request....its useless if they wish to go near a court room with it.

Andy

that's the usual 66220000 they all trot out to a BC CCA return.

interesting the charges are £12 that didn't come in until later 2006

what date did you open the account?

those exact docs are on here numerous times

don't think those T&C belong to that card takeout date

they should be sending 2006 ones if that's the year you opened it

is this not on your credit file under closed accounts or an older CRA copy you might have

should tell you the takeout date

Just had a quick look on clear score, it only seems to go back 10 years.

The Barclay card is on there in 2011 as having the credit limit increased so obviously the card’s been taken out before then.

I’ll have a deeper look later.

Should state takeout date on that page

Clearscore haven't replied to my request yet for the start date on the Barclay card.

I have received a letter from Santander about my card with them, I replied with the SAR request.

They sent me a reply that didn't have any of my details on it, like they didn't know who lived at my address.

Three letters attached.

convert-jpg-to-pdf.net_2018-03-13_14-20-07.pdf

thread tidied

I wasn't aware we'd asked you to contact clearscore?

as for satans bank sar

you did read all of the posts in the sar thread?

and included a list of all your old addresses and a current CTAX copy if you've moved since taking the card out?

You’re quite right, you didn’t ask me to contact clearscore, I made that request myself to see if it was possible for them to find it for me as I can’t. I posted this info just as a follow up to the statement in your previous reply.

Santander Sar. Because the Santander credit card was taken out within the last 10 years clear score shows the start date of this card which was Dec 2010. I’ve lived at the same address for 15 years, I’ve had my mortgage with Santander for those 15 years, as well as a personal current account for 15 years and the credit card for 8 years.

Barclaycard taken out August 2006.

so post 46 then no dice for plink

Thank you for your reply. Forgive my ignorance however it’s a bit ambiguous, I don’t understand the post 46 part.

Read post 46