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About gwebstech

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  1. not paid for about 4 years now, i still get letters from Santander regularly though the letters basically say " we aresolicitors instructed by our client, to obtain repayment of xxxx ..... or to take appropriate recovery action" reply by early Feb i assumed that as Santander hadnt been chasing me for 4 odd year that they knew their CCA docs wasnt as required for court action
  2. thanks so ive just had some letters come from Dryden fairfax solicitors, im not going to reply but just to jog others memories - DX loked through the paperwork i had received and he said it did look enforceable even though there were very few t&c included in their CCA reply to me so should i just sit tight until they start court proceeding -thats if they do? thanks
  3. thank you, he cant work now due to illness so he thinks its the right thing for him to do
  4. Hi all Im asking for my brother in law, he recently got very ill and nearly died and since this hes decided to finally go bankrupt and wipe all his debts off as i told him to do years ago. His main debt is with the taxman, its circa £35000, they were taking something like £400 per month out of his wages so hes decided to go bankrupt. Now im wondering does this get wiped off if he goes bankrupt or does it still count? he says he also owes some council tax - a few £1000 i think Im assuming its easy enough to go bankrupt, just pay the fees and you have to not come into any money for 3? years or so or they can take nay lump sums off you to pay what you owed? thanks
  5. Ive just checked, its asked for in the list in the PAP
  6. surely better to write? dont want them to get her on the phone and give em a captive audience
  7. Honestly dunno, shes worse than me for chucking stuff. She was going to ignore this as she thought they were just trying it on but i still get those "try it on" letters and they arent like this one i save every bit of paperwok now but that was after getting my fingers burned but she needs to start saving hers too
  8. ok ive printed out the CCA and the PAP letters as on those posts, ill get a postal order and get it sent off i love getting those "we dont have this information at present..." letters, lets hope this is another of them thanks
  9. wont the date of assignment be part of this CCA request?
  10. Exactly what we thought, her online banking doesnt go that far back i tihnk she'll have to request statements and check herself
  11. Dunno how she forgot, shes under the impression she hasnt paid it for 6 years or so, but i know myself how easily these things get forgotten It says to send the PAP form to their solicitors - there is no mention of solicitors yet so just send it to PRA?? thank you
  12. Hi thanks for that Id already emailed from my email address before i saw these replied, they just responded and said as below: Thanks for getting in touch. Our records indicate that your account defaulted on 30 November 2010 and the last payment made to the account was on 30 September 2016. This means your account is not ‘Statute Barred’; under the Limitations Act 1980, we have six years from the date the debt was last acknowledged to collect the outstanding balance, after this time the debt becomes unenforceable; this means that we are unable to pursue this through the Courts but the balance is still due. Your account has been selected as being potentially suitable for litigation as we believe you may be in a position to resolve. We would like to work with you to prevent any litigation. We are committed to working with you to come to an appropriate resolution and have put your account on hold for 14 days to give you time to consider how you would like to move forward. If you don’t contact us by 5 June 2019, your account will reopen and we will contact you to discuss how we can help you. Questions? We’re happy to help, contact us by: responding to this email; visiting our website (pragroup.co.uk); where you can make a payment, find answers to commonly asked questions and complete a budget form; or calling us on 0800 877 2772. Yours sincerely Customer Solutions Agent PRA Group (UK) Limited What are her next steps? to ask for a copy of the CCA? Has the law changed recently that debt collectors can take people to court on behalf of the creditor? i assumed that creditors only pass debts on if they cant lititgate themselves? thanks
  13. Not sure when it was taken out, it says on the letter the agreement started in 2002 but that must have been when the card was taken out Can you email this SB instead of posting it?
  14. Hi Dont know date of default, or last payment made but its def not on her Experian file Can they just take her to court after this letter with no other warning? Can they just take her to court with no other notice?
  15. Hi, yes it says got 30 days to reply, and theyre going to issue a court claim but surely if its not on her credit file it must be over 6 years old, or does that only matter if payments have been made in last 6 years? thanks 20190521_164451.pdf 20190521_164350.pdf
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