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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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Need advice - £70k debt - should I quit DMP now?


torch1
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Hello,

 

I started a DMP with Stepchange about 6 years ago with £150k of credit card and personal loan debt.

 

I have paid about £80k via Stepchange over the years and about £70k remaining balance (including personal loan interest).

 

I have been paying £800 per month split pro rata via stepchange but due to change in circumstances can not pay much at all anymore! Have yet to contact Stepchange but have cancelled the DD with them just now. I need urgent help and advice!!

 

Should I arrange to pay them £1 per month instead for now through stepchange and CCA them all in the meantime? – I have just read about CCAs here. I am terrified of getting CCJs from them all now – All help greatly appreciated!

 

 

Debts are as follows:

 

 

• NRAM personal loan pre 2007 – now with Cabot Financial (Marlin) - £12,933 - not on credit report

 

• Bank of Scotland personal loan – post 2007 - now with ‘Wescot Credit Services – Bought Debts’ – £12,395 owing – not on credit report

 

• Santander Personal loan – 2002 - £10,859 – Defaulted 2011

 

• MBNA Credit Card – 2005 - now with IDEM CAPITAL SECURITIES – £6,919 – Defaulted 2011

 

• Cahoot loan - £4499 – showing on credit report as settled 2015! – but stepchange still collecting and paying!?

 

• Barclaycard credit card 2008 – now with LINK FINCANCIAL OUTSOURCING - £3337 – showing as up to date positive credit on my credit file!

 

• MBNA Credit card 2008 – now with IDEM CAPITAL SECURITIES - £3233 – defaulted 2012

 

• Capital one credit card £3205 – not on credit report

 

• MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012

 

• Co-operative bank credit card 2002 – now with LINK FINANCIAL OUTSOURCING - £2571 – defaulted 2012

 

• Co-operative bank credit card 2001 – now with LINK FINANCIAL OUTSOURCING - £2026 – defaulted 2015

 

RBS MINT credit card – now with ‘WESCOT CREDIT SEREVICES – NON BOUGH DEBTS’ - £1624 – not on credit report

 

• Tesco Bank credit card – now with ‘ROBINSON WAY LTD – TESCO’ – £1222 - not on credit report

 

• Barclaycard credit card 2001 – now with ‘LINK FINANCIAL OUTSOURCING’ - £1087 - showing as up to date positive on credit report!

 

• Bank of Scotland – now with FAIRFAX SOLICITORS - £750 – not on credit report

 

• Cahoot credit card £713 – not on credit report

 

• American Express credit card – now with ‘NCO – OTHER’ £387 – not on credit report

 

• EGG Credit Card – now with PRA GROUP (UK) - £193 – not on credit report

 

• Cahoot credit card £100 – not on credit report

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Hello,

 

I started a DMP with Stepchange about 6 years ago with £150k of credit card and personal loan debt.

 

I have paid about £80k via Stepchange over the years and about £70k remaining balance (including personal loan interest).

 

I have been paying £800 per month split pro rata via stepchange but due to change in circumstances can not pay much at all anymore! Have yet to contact Stepchange but have cancelled the DD with them just now. I need urgent help and advice!!

 

Should I arrange to pay them £1 per month instead for now through stepchange and CCA them all in the meantime? – I have just read about CCAs here. I am terrified of getting CCJs from them all now – All help greatly appreciated!

 

 

Debts are as follows:

 

 

• NRAM personal loan pre 2007 – now with Cabot Financial (Marlin) - £12,933 - not on credit report - send a CCA request

 

• Bank of Scotland personal loan – post 2007 - now with ‘Wescot Credit Services – Bought Debts’ – £12,395 owing – not on credit report - wescot dont buy debts - who is their client on theri letters? - send them send a CCA request

 

• Santander Personal loan – 2002 - £10,859 – Defaulted 2011 send a CCA request

 

• MBNA Credit Card – 2005 - now with IDEM CAPITAL SECURITIES – £6,919 – Defaulted 2011 send a CCA request

 

• Cahoot loan - £4499 – showing on credit report as settled 2015! – but stepchange still collecting and paying!? send a CCA request

 

• Barclaycard credit card 2008 – now with LINK FINCANCIAL OUTSOURCING - £3337 – showing as up to date positive credit on my credit file! send a CCA request

 

• MBNA Credit card 2008 – now with IDEM CAPITAL SECURITIES - £3233 – defaulted 2012 send a CCA request

 

• Capital one credit card £3205 – not on credit report send a CCA request

 

• MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012 send a CCA request

 

• Co-operative bank credit card 2002 – now with LINK FINANCIAL OUTSOURCING - £2571 – defaulted 2012 send a CCA request

 

• Co-operative bank credit card 2001 – now with LINK FINANCIAL OUTSOURCING - £2026 – defaulted 2015 send a CCA request

 

RBS MINT credit card – now with ‘WESCOT CREDIT SEREVICES – NON BOUGH DEBTS’ - £1624 – not on credit report send a CCA request

 

• Tesco Bank credit card – now with ‘ROBINSON WAY LTD – TESCO’ – £1222 - not on credit report send a CCA request

 

• Barclaycard credit card 2001 – now with ‘LINK FINANCIAL OUTSOURCING’ - £1087 - showing as up to date positive on credit report!send a CCA request

 

• Bank of Scotland – now with FAIRFAX SOLICITORS - £750 – not on credit report what type of credit/

 

• Cahoot credit card £713 – not on credit report send a CCA request

 

• American Express credit card – now with ‘NCO – OTHER’ £387 – not on credit report send a CCA request

 

• EGG Credit Card – now with PRA GROUP (UK) - £193 – not on credit report send a CCA request

 

• Cahoot credit card £100 – not on credit report send a CCA request

I will guess 99% are cash cow accounts

good idea to stop that DD.

 

 

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 the CCA requests as advised by dx in red above.

 

But i would suggest that you also speak to Stepchange about your change in circumstances, as you have been dealing with them for 6 years. You will have given them more details about your finances and whether you own any assets such as a house.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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Most of your debts will be unenforceable. Stop payments. get CCA requests off to all.

 

Cabot, IDEM, link, PRA, robbers way etc do.nt chase enforceable debts. Theyre bottom feeders. Theyve seen the large amount, bluffed, you , marked you as gullible as youve given them thousands without question.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for the help.

I am going to send a CCA request to all by recorded delivery (without written signature and with a blank £1 PO as recommended on here).

 

 

Can someone direct me to the best CCA letter to use,

I have seen many different versions on the internet, some much more lengthy than others.

 

I will update on progress for everyone's later reference and probably for further help!

 

Will contact StepChange to update them on my changes to circumstances in the meantime. Probably will end up paying £1 per month through them until the CCA's come back at least.

 

renegadeimp, I read on this forum that Cabot and link have sent out CCJs and charging orders, do you mean they don't chase unenforceable ones?

 

 

Surely its easy for any DCA to send a CCJ request at a click of a button, hoping I will pay up in full or at least to get me to pay something on a monthly basis?

Edited by torch1
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Cabot never chase enforceable debts or at least ive NEVER seen it. They go for debts no other dca will touch and then threaten legal action on them to scare you into paying.

 

And ccjs do NOT work like that. At all. There's a whole lengthy procedure to go through and it's very easy to defeat any claim they make.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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don't waste money on recorded

1st class with free proof of posting at the PO counter when you get the £1 PO's will do.

 

click CCA request

 

no-one can get CCJ/CO's without enforceable agreements

and 99% of those you list are known cash cowers.

 

sorry but you've been had as a mug for years here ..

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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Thanks. I am happy to hear if I have been had as a mug for years, if it means I don't have to pay them anymore!

 

Searching this forum for Cabot CCJ returns quite of lot of people that got CCJs from Cabot.

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because they werent defended

rarely do see a cabot win if defended

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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Share on other sites

What about the Capital One credit card? - that is still with my original lender after all these years - probably because I now learned that my reduced payment were not reduced enough.

 

Santander and others send me statement of account updates. I think the original debt for Santander was with cahoot flexible loans, can't remember it is so long ago now :)

 

 

I always ticked no PPI required on any loan applications in the past to keep the cost down. What is a SAR and is it relevant to me?

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CCA ALL of them. every last one. You need to start fresh and get all your homework done. Youre talking tens of thousands pounds here, plus the thousands you already wasted.

 

Please do this right so youre not wasting any more.

 

A SAR is a legal request from you to the original creditor that requires them to supply all information they hold on you. Some creditors wont supply all of it for whatever reason, so if you need specific info from them, make sure to detail it in the request.

 

To find out what a sar is, click the word sar.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks. For the CCA requests, I don't have any original paperwork, only stepchange statements and only the reference number that the DCA's use. Do I need to track down the original agreement numbers first somehow?

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would be an advantage yes

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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Stepchange said they can trace the original account numbers from my records and mail (not email) them to me. Will take about 1 week though.

 

Is it best to wait for them or use the DCA account reference numbers?

 

 

ps. I am worried that Stepchange have copies of some original agreements from when I started the plan. Can't remember if Stepchange requested them from me on starting a new DMP.

Edited by torch1
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The DCA will have the details, so for a CCA request you need only mention original creditor name and the DCA reference number. They can look it up on their system and deal with the request.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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For the Santander debt, this was originally a cahoot flexible loan taken over by Santander. I just read that Santander gave out massive refunds of all interest paid in the past due to an illegal rate hike. Anyone know anything about that which can help my case against Santander?

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Send those CCA's out in the morning, THEN worry about the rest. You need to get those CCA's out so you can find out the enforceability of the debts. SAR's will give you the other info you need.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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For the Santander debt, this was originally a cahoot flexible loan taken over by Santander. I just read that Santander gave out massive refunds of all interest paid in the past due to an illegal rate hike. Anyone know anything about that which can help my case against Santander?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325044-325044&p=3600709#post3600709

 

 

http://www.moneysavingexpert.com/news/loans/2012/02/santander-offers-massive-refunds-on-cahoot-loans-after-rate-hike

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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Share on other sites

Something interesting happened since I stopped my DD with StepChange.

 

My credit report today dropped further by 248 points because LINK FINANCIAL reported a missed payment on my DMP in active accounts.

 

I believe this account was originally marked as Defaulted only in 2015 even though Ive been on regular DMP payments with them since 2012.

 

Not sure if there is anything that can be done with that now or later?

 

Should LINK still be updating my credit report even though they defaulted it in the past (2015)?

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Link will just be reporting the account as they should. As long as its a true representation of the status of the account, then thats all there is to it.

 

The points mean nothing, as every lender has their own criteria for lending. The points on a Credit record is just a way for the CRA to make money off the uninformed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The strange thing is that the LINK FINANCIAL account is showing as an active account and not showing in the defaulted accounts section, even though the original creditor (co-op) defaulted it in 2015 and is showing as a default by co-op in 2015 in the defaults section.

 

 

Can I get this LINK entry removed because of that?

This has caused my credit rating to go from fair to very poor.

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best you start separating these debts off into their own thread tourch

go start a new thread in the Co-op forum off the main forum tan top left of this whole page

else this is gonna get mighty confusing.

 

 

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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Share on other sites

Link will just be reporting the account as they should. As long as its a true representation of the status of the account, then thats all there is to it.

 

Link are reporting this account as an active account and updating monthly.

They have now set all payments to 6 months late,

 

 

last month everything was reported as up to date.

 

 

now I have another 6 years fresh bad credit rating!

However, it was defaulted by co-op bank years ago.

The co-op default shows in my credit file.

 

 

Do Link (or anyone else) have the right to update the credit file separately since they are only DCA'a and the original debt was already defaulted?!

Why am I being treated unfairly.

 

 

If there was just a default and I made no effort to pay,

I would only suffer 6 years bad credit from the default date.

Instead I have to suffer further for paying over 50% of the debt already to Link!

Edited by torch1
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nope

when the co-op default reaches 6yrs both entries will vanish.

doesnt matter either is live nor closed.

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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  • 3 weeks later...

Just an update on this so far. PRA Group have replied stating they have requested the original agreement and my account is suspended and unenforceable until they have it. They also state that they can not issue a CCJ until they have it.

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