Hello

I have recently sent CCA requests out using the templates on here. I have received my first reply, they even sent the postal order back. I'll upload the letter and othere when I get them. Would this reply mean that they will be unable to enforce?

PRA Letter 21st August Revised.pdf

more details about this alledged account?

if they don't provide the docs within the 12+2 timeframe then it becomes unenforceable until they do provide the docs

that letter is a standard one that DCA's send when they have to request the info from the original creditor

So a virgin money MBNA card then?

Theyll never get the right T&C's anyway

most of the virgin money stuff was shredded or lost years ago

Yes, it was a virgin money one from around 2006ish may be earlier. I don't know how to check when the account was opened.

The other one is a marbles one being managed by capquest that was from about 2004

Just to add the marbles one defaulted a couple of years ago and doesn't show on my file the Virgin one comes off my file march 2019.

When was the last time you paid either of them?

When was the last time you paid either of them?

Last month, I am/was in a DMP with pay plan. I have since decided to go it alone. I was going to CCA them a while ago but wanted to wait until they were off my credit file

Eh? That makes no diff to you..who said wait 3yrs to stop paying?

Wasted all that money and youve run the sb clock 3 more years too!!

No cca= no pay!!

Eh? That makes no diff to you..who said wait 3yrs to stop paying?

Wasted all that money and youve run the sb clock 3 more years too!!

 

No cca= no pay!!

Ok, so back to my first post I can now stop paying PRA?

if outside the 12+2 day timeline then yes you can stop paying

Your choice.....but be aware they may then issue a court claim.....and a copy of the agreement may well just surface.

Andy

Your choice.....but be aware they may then issue a court claim.....and a copy of the agreement may well just surface.

 

 

Andy

I'm a little lost. I thought the whole point of sending the CCA was to be able to stop paying? But if they can still issue a court claim and produce an agreement what is the correct process to follow?

you can stop paying but the alledged debt will not go away, they can issue a court claim, and at a latter stage either produce an enforceable agreement (they hope to) or they discontinue, another method some peeps try is to not pay and try to make it to the statute barred time limit, always it is the choice of people like you who it affects, even if they supply eventually an agreement which once checked over by those in know then during court proceedure you could go for a Tomlin Order, and save as to a CCJ! others will also comment

Note:- a court enforcement cannot be given until/if an outstanding enforceable CCA1974 is presented, but court proceedure can be started without one, as above at some stage they may/will have to produce one.

Thanks, so it all depends on what they come back with in the 12 day period. I assume if they do have an agreement they will produce it then

Just to add it is 12 days today and so far I haven't heard anything