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writing2rightoff

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About writing2rightoff

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  1. Hi, should I have linked addresses for debts over six years old, still on my credit reports for Noddle? Thanks in advance
  2. Hi, I have just received a letter from a debt company that I haven't used for over 15 years. The letter says data protection laws have changed. This means thy need to provide me with an updated explanation of how they use my personal data. I do not want then to use my personal data. Do I ignore the letter? Thanks in advance.
  3. All your support regarding sb letter, ICO, etc greatly appreciated!!!!
  4. Thanks Andyorch if I have further contact then I will approach ICO for a complaint...just to stop the junk mail and nuisance calls.
  5. Wow! Thanks ericsbrother! The info about GDPR and ICO is very helpful. I really feel armed and ready to tackle PRA group if they persist. Thanks again!
  6. Thank for all the responses, what if they continue to correspond in the same manner?
  7. The debt is for a short term loan I took out about seven or eight years ago I used PRA's reference number in the correpondences
  8. Hi hope you can help I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them? They have replied with a letter dated 10 days after my sb letter to them as follows: My current address Dear xxxxx Reference : xxxx I write with regards to your recent correspondence regarding the above referenced account. Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require is as follows- Full name Date of birth Previous address and postcode You can contact us via letter or telephone our office on 0800 877 872 to complete the checks we are required to make, in line with the Data Protection Act 2018. Upon confirmation of the above details , we will endeavour to respond to your request as soon as possible. Yours sincerely xxxxxx Title of person who sent letter etc.' The sb letter I sent to PRA group has been retuned together with the letter above in the same envelope. PRA group called my mobile this morning but I ignored it and didn't answer because the number was unrecognisable at the time. I later googled it and found out that the number calling me was PRA group. Look forward to your response and thanks in advance.
  9. Hi, I have received a letter from Lantern to a sb letter I sent them. The letter talks about one debt from Wageday which it says will be statute barred in January 2019. The customer reference number on the letter has a balance for multiple debts but only the wageday debt is mentioned in the letter. The letter says: ' Dear xxxx We write with regard to the above reference account number and recent communication. We note that you feel the Wageday Advance account should now be statute barred under the (Limitation Act 1980/Prescription and Limitation Scotland Act 1973/The limitation (Northern Ireland) order 1989). Firstly it is important to explain that an account only becomes statute barred if the last written acknowledgment or payment towards the debt is over a six year period. In this case , the original due date was on xxxx/2013 and will therefor not become statute barred until xx/01/2019. If you have an queries or need to talk to us, please get in touch. Yours sincerely Lantern Debt Purchase & Recovery Specialists ' The debts that the customer reference number refers to have not been on my credit file for several years. Ihave not responded to the letter. Will Lantern now put the Wageday account on my credit file and keep it on file for the next six years? Can Lantern use their letter as an opportunity to open up other debts which they have not mentioned in the letter but which I know have been included in the total debt of the balance.? ( I think the debts that have not been mentioned are statute barred). Thanking you in advance and as always.
  10. I was logged on but did not get to the library even after several attempts. But thanks for your reply and I have got the sb letter from your link. My concern then is that they can still enforce a ccj because of the following '"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4 I am not sure if they have tried to contact me during the limitation period or are doing so after.
  11. Thanks dx100uk. Ok I am trying to get the sb letter from the library but get this message' CAG Library - you need to register to access the CAG library'
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