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  1. #21
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    Do you record your calls?
    You'll regret it if you don't.




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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    thanks for reviewing, so do you think it's worth asking for the original HBOS statement showing payments from 2011 to 2014 and clarification of who made the payments and on who's behalf?


  2. #22

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    I certainly wouldn't believe anything a DCAicon sends you when at the time of those payments, they did not OWN the debt.
    as for if those payments were authorised, well obv they were as compass were paying upon your written instructions..cant get out of that

    why not SARicon HBOS? its free!!

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  3. #23
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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Ok I will send a SARicon request to HBOS, do I need to inform PRA of this action as it may take longer than the 30 days they have given me to respond?

    I agree the CCA is enforceable, just thought if PRA cannot prove the payment's are made on my behalf it could be statute barredicon?


  4. #24

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Stuff pra's stupid time linits
    It your money..you control who gets it and when

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  5. #25
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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Great i will send a SARicon off to HBOS straight away


  6. #26
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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Hi
    no response on the SARicon

    if HBOS are not responding, is it worth going with the statute barredicon angle with PRA as they cannot produce an official statement from HBOS showing payments made on my behalf for over 6 years?

    thanks


  7. #27

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    They still have a fair bit of time to comply with the SARicon request. Theyll likely leave it until the last minute.

    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..


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  8. #28

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Let it run

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  9. #29
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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Hi

    received a lettericon from PRA advising they will continue to take this matter to court and issue proceedings in accordance with the pre action protocolicon within 15 days.

    should I respond or just let them get on with it?

    thanks again


  10. #30

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Cause they will...not

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  11. #31
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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    so you think they won't do anything? or not adhere to the protocol lol


  12. #32

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    https://www.consumeractiongroup.co.u...e-1st-Oct-2017

    is what the must do...

    me thinks they are just waving their daggly bits
    and of course
    the nearer, if it was not already, the SB point passes...

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  13. #33

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    That letter is likely automated. Nobody apart from you has ever seen it.

    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..


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  14. #34
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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    Hi

    Ok i have finally received the Documents from HBOS, I have all the statement information up to the hand over to Aktiv (PRA Group)

    there is nothing in the document pack with regards to letters from myself or Compass "acting on my behalf" ??

    the statements from 2011 to 2014 do not show where the payment came from e.g. Compass

    I havent heard anything from PRA since 2oth Nov where they stated they would continue to take the matter to court after 15days LOL.

    I suspect they might of held back as i believe HBOS notified them I have requested a SARicon.

    What do you think my next steps should be ?

    thanks again for all your help


  15. #35

    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    as post 28

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  16. #36
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    Default Re: PRA Group BOS Credit Card debt - Letter Tennis

    cool thanks


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