It is pretty much impossible to read. I can see "credit card agreement regulated by the consumer credit act 1974" in one part, my name and an old address in another part, what looks like my signature and a date from some point in 2006, and what I think is someone else's signature near where my address is printed with no date (it is not clear what the second signature is for, but it is much thicker than the rest of the documentation).

Spoke to soon - Received a letter yesterday, dated 19/04: Dear NoneProvided, I refer to your request for copy documentation regarding We enclose docs received to date and are awaiting further documentation to complete your request. If you have any questions blah blah blah, please call.... All that was attached is a very bad copy of something that takes about half a piece of A4. This is far too long between my request and receiving the info, right?

Sara, please see my recent experience with a DCA, I believe you may be going through a similar experience. I can't link it here, but I replied to it today, so it should stay on the first page for a while.

Apologies for the very delayed response! I have now waited more than long enough, and have heard absolutely nothing from them. As it isn't really effecting me, I am simply going to leave this to drop off my credit report in a few months time. There is another default on my credit report that I do not believe should be there - it is Lowell, who I believe pick up a lot of O2 debt, and I remember having a dispute with them when I moved my mobile phone contract away from them to EE approximately 3 years ago. I am going to use the same letter and a new postal order to start disputing this / attempt to have it removed from my file. I will start a new thread when I get round to doing that, and keep you updated with the progress.

I have received a reply: Original Creditor: ABC Ltd Ref: XYZ Outstanding Balance: £xxx Request for Copy Of Agreement Dear Mr XXXXXX I am in receipt of your correspondence in relation to the above and have requested the required information. I have also enclosed your payment of £1 as this was not required to carry out the request. We will contact you to provide an update as soon as possible but if you have any questions please telephone us on 0800... where an advisor will be able to assist you. Yours Sincerely, Chief Operating Officer PRA Group =================== I'll keep you updated as soon as I hear from them again, or if this drops off my report as expected towards the end of the year.

Thanks Andy - I'll stick with the request for the agreement. I'm not going to send this until next week - I have until the end of next week to respond, so will send it next Wednesday via special delivery. I'll keep you all posted on what their reply is, if any.

having read silver foxes note about not recognizing PRA group, would this be worth while, or should I stick to the addition in post 7? "If the copy of the credit agreement you wish to provide at this time is not signed, please advise whether a signed copy would be relied upon should this matter result in court action. It should be noted that I do not recognise the name PRA Group (UK) Ltd, and do not recall ever receiving any correspondence from you prior to your letter dated xx March 2016. Therefore I also request you provide me with a signed true and certified copy of the original default notice, and any deed of assignment relevant to this case."

Thanks for the swift responses. I have added to your template, would this be sufficient: "I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s78(6)a will apply. **If the copy of the credit agreement you wish to provide at this time is not signed, please advise whether a signed copy would be relied upon should this matter result in court action.** If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request...." Andy - debt is likely an MBNA or MINT credit card. Not sure if default is legit or not. It is possibly legit, I have a CCJ with Lloyds Bank Loan from a similar time which I am currently paying off.

If we go from 6 years since the original default date, or say 6 years and 2 months, it would still have dropped off my file by the end of 2016. I don't recall ever receiving a default notice - as it has been passed around a few times, I would struggle to remember who the original lender was at this point! A lot of the PPI claims etc relate to the important date of April 2007 - whilst I'm not looking to get any PPI back etc (honestly don't know if I even had it), is there any chance the age of the credit card could also be used in my favour?

I received a letter from PRA Group recently. It states: ================================= We write further to the above and to inform you that your account has now been transferred to the investigations and litigation department. This is a letter before claim as required by the Practice direction on Pre-Action protocols, to give you notice of PRA Group's intention to issue court proceedings against you. You should consider the contents of this letter carefully and seek legal advice or alternatively contact one of the free agencies detailed on the enclosed document. We specifically refer to paragraph 4 of the Practice Direction and set out in that paragraph are the courts powers to impose sanctions for failure to comply with the practice direction. You will recall that you entered a written agreement numbered xxxx on or around xx/xx/2006 with Varde Experto (The creditor). The agreement was regulated by the consumer credit act 1974. The agreement obliged you to make payments, however, in breach of the agreement you failed to make thos payments and are now in breach of the agreement. By a notice of default the creditor required you to remedy the breach within the prescribed period and gave notice that, in default of so doing, you would be liable to pay the monies due and owing. However, you did not remedy the specified breach within the prescribed period and you then became liable to pay the creditor the sum of £xxxx By an assignment in writing dated xx/xx/2012, the creditor assigned the debt to PRA group. Then by notice in writing the creditor and PRA group wrote to you to notify you of the assignment. PRA group has made further written and oral requests for payment of the sums but you have not paid the sum due and owing. If after considering this letter you take the view that you do not owe £xxxx then we look forward to receiving your reasons why you take that view plus supporting documentation. We do not presently envisage that expert evidence will be needed in this claim. This letter should be treated as an invitation to refer this dispute to mediation or some other form of alternative dispute resolution (ADR). In addition this letter triggers certain time limits that effect you: 1. You are expected to acknowledge and answer this latter before claim by xx/03/2016. 2. You are expected to respond to the invitation to refer this matter to ADR by xx/03/2016. We look forward to receiving your letter in reply, responding to the claims made against you and / or setting out your proposals for settlement / payment. We are prepared to discuss repayment options if this assists you. If we do not hear from you within the above time limits then court proceedings will be issued against you which may increase your liability for interest and costs. If you have any difficulty in complying with the above limits please explain the problem to us as soon as possible and we will consider a reasonable request for extension. Yours sincerely Litigation manager PRA Group (UK) Ltd. ================================= Information: I have never spoken to PRA group, or acknowledged any previous letter. The original credit card account was opened in 2006. I do not recall the original provider, but it was not Vadre Experto. The default occurred in 2010. It is therefore due to drop off by the end of this year (two defaults have already dropped off my file, and my score is starting to improve - I'm well aware of my past mistakes and errors in judgement). The amount owed is less than £2000. Should I: A) Write to them by recorded / special delivery, asking to see a true copy of the agreement they refer to, providing them with a £1 postal order in payment of the statutory fee (if the price has changed, please advise). Also ask for a certified copy of the original default notice, and a deed of assignment from when the debt was sold on (I do not have any of the above at this point). I believe I can give them 28 days to supply this? B) Ignore the letter above, and do it if / when I receive a claim form from the court? C) something else. I don't know whether to ignore them, try and draw it out until the default drops off my credit file, speak to an actual solicitor. Thanks in advance for your advice.