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dagboyblue

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About dagboyblue

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  1. 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 SAR. What do you think my next steps should be ? thanks again for all your help
  2. so you think they won't do anything? or not adhere to the protocol lol
  3. Hi received a letter from PRA advising they will continue to take this matter to court and issue proceedings in accordance with the pre action protocol within 15 days. should I respond or just let them get on with it? thanks again
  4. Hi no response on the SAR if HBOS are not responding, is it worth going with the statute barred angle with PRA as they cannot produce an official statement from HBOS showing payments made on my behalf for over 6 years? thanks
  5. Ok I will send a SAR 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 barred?
  6. 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?
  7. Hi i have added copy signed CCA 1st and last page of statement (up to 2011) Notice of Assignment from BOS letter confirming change from Aktiv Thanks merged CCA,NOA,Aktiv.pdf
  8. Hi I have managed to load up the earlier letters from PRA Letter 1 dated 10/09/2018 - was when i received the signed agreement , which i responded to using the CCA format requesting Notice of assignment and full statement Letter 2 dated 12/09/2018 - was a letter before claimicon, received a day after letter 1 - I never responded to this as i had already responded to letter 1 Letter 3 dated 10/10/2018 - was a response to my CCA template letter and provided the notice of assignment and statement up to 2011 Letter 4 dated 16/10/2018 - was a response to a request on further statement information from 2011 to 2014 where they just provided an excel spreadsheet, stating monthly payments of £6.49 "nothing indicating where payment was from" Hope this is making sense thanks merged PRA Letter Files 25102018.pdf merged PRA Letter Files 25102018.pdf
  9. Hi I have managed to load up the earlier letters from PRA merged PRA Letter Files 25102018.pdf Letter 1 dated 10/09/2018 - was when i received the signed agreement , which i responded to using the CCA format requesting Notice of assignment and full statement Letter 2 dated 12/09/2018 - was a letter before claim, received a day after letter 1 - I never responded to this as i had already responded to letter 1 Letter 3 dated 10/10/2018 - was a response to my CCA template letter and provided the notice of assignment and statement up to 2011 Letter 4 dated 16/10/2018 - was a response to a request on further statement information from 2011 to 2014 where they just provided an excel spreadsheet, stating monthly payments of £6.49 "nothing indicating where payment was from" Hope this is making sense thanks
  10. yes sure 100%, I have noticed a few of the Dca' s my original debt management company "compass" had deals set up with did not require any payments legally. I appreciate the help in reviewing this mine field I will post the letter up as I get back to work possibly Thursday thanks
  11. Hi my original CCA request was to the PRA group back in 2017, they returned a letter to this request which only included the correct signed CCA with Terms and conditions just 3weeks ago. As i have managed to squash a few agreements in the past I unnderstand they have provided me with the right CCA document however did not provide the correct documents for notice of assignment and statement. unfortunately this original letter is at my work place and I cannot retreive it for a week as i am off with the kids for half term. From what i can see they have provided the right documents and a statement, but only up to 2011, but nothing that points to me making payments since 2011. The angle i wanted to follow was the fact they need to prove i have made payments after to 2011 to 2014, if they cant then i can go for statute barred?? hopefully this makes sense thansk again for your support
  12. sorry - getting tired LOL I have left out the copy of the statement as it is basically a excel spreadsheet saying a payment of 6.49, nothing official, my kids could make it up the CCA request i sent is the standard template used (sorry dont have a copy available at the moment"on my work laptop", but it is the same as the form on this site) 1st and 2nd response letter from PRA attached merged 1st and 2nd CCA letters.pdf
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