what a return home from a business trip. to a mountain of paperwork lol. and a LOC from Very, noice. Overdales working for Lowells. I will get the the template together and a PO

thanks Dx. These guys really do look like persistent chancers. I got suspicious when I saw how out of alignment the Barclaycard details were on their reconstituted header paper. Also the address i registered with the cc was on an old address i didn't live in that time (parents) but as its over 6 years ago I am having issue trying to find evidence to prove that (bank statement etc) so I suspect that is likely from the electoral roll information. strange how the recon details redact the word "stolen". why would barclaycard if they did provide this do that on a standard request for information. Anyway, I will read and wait for the circus parade to continue. Until then enjoy christmas

Please see attached from PRA in the post. I havent scanned the statements but let me know if they are needed. Please let me know what you think of their case. Thank you! PRA CCA return (base) .pdf

no i only asked for the details in the PAP section of the website. No idea why they mention the Deed of assignment in their response. I did indeed ask for the NOA. I will get everything scanned (so far printed them out) and scanned up for you. My main question is i guess. If i have responded to their letter of claim and they believe they have produced the answers (which they haven't in their entirety) then do I need to respond again? I would think not but i dont want to miss the original deadline if i do. The OC is Barclaycard.

thanks DX. Shall i print out another response form for them? the original letter says I need to respond by the 8th of Jan. they have given me 30 days on hold but i dont believe this changes that date. I will print out everything they have sent across to me in their response. I hope there is something glaringly obviously missing. I am still unconvinced the CCA response is complete as the only CCA agreement they sent across they deemed unenforceable from nearly a year ago and the year statement isnt part of it. the reconstituted version has me scratching my head. They tell me they have fulfilled their obligation but I need the clarity. also conscious if i were to offer a partial settlement offer this would be used against me also if it were to go to court as it would likely be seen as an admission of guilt.

just to be clear. Sending me part of a cca agreement deemed themselves unenforceable to then send me a single year statement of accounts to then state they have fulfilled their obligations to the request isnt going to stand in court? Also, they have to respond with everything I have requested before they can proceed (or at least proceed with any chance of winning in court?) By not doing this they at least they look as though they dont have anything court worthy to hold against me. a reconstituted agreement means no alot?, no? Sorry. Just need some clarification

I had a response today electronically with login details to a response giving me the same details on my cca agreement I had last time (unenforceable partial cca agreement, then a 2020/21 statement claiming they have sent the detail I requested) I also received a reconstituted agreement from barclaycard that references my name and old address but as I can see no IP address or "e signature" They also claimed they don't have to send me deed of assignment redacted or otherwise unless the court asks. Il scan up and send across later today but I feel like I'm getting taken for a ride here

Thanks. All ready to add PO and send off tomorrow.

thanks DX. shall i send the CCA separately, with new PO? also, on post 2 there is limited space to fill in all the detail listed that i request. is there another way I can do this? separate paper?

Hi all, today I received a Letter before claim from PRA Group who allegedly own the Barclaycard debt. Please can someone advise my next steps. Bare in mind I sent them a CCA request, they responded with a partial response whilst returning my PO advising this is unenforceable. Months later I received a year statement of purchases and not the remaining CCA agreement. their covering letter made no mention of enforceability either and claimed to have enclosed information i requested. Shall i respond to this as it isnt a letter of claim or is this just scare tactics? If this is unenforceable still is there anyway I can make them aware I know this is all BS and to go for a long walk of a short pier?

true. However, i plan on overpaying and getting it sorted early. second hand cars are overpriced currently and it would end up costing me a chunk to get something else.

just a quick update DX I am now about 50% way through my Car HP. you mentioned it at the beginning of my thread. what were your suggestions here?

thanks for confirming. It screamed bluff to me

Hi all, quick update. after PRA Group not providing suitable details in response to my CCA request they have now sent through 1 years worth of card statements from july 2020 to july 2021. All details seem correct but their header letter to me says they have enclosed copy documents as requested. To contact them within 14 days to speak to them to discuss a mutually acceptable agreement to settle the outstanding balance. I find this a little strange as the CCA agreement requests the original agreement, statements would be part of starting the PAP route for legal. no letter of claim no mention this is now "enforceable" could this just be the equivalent of attempting to look like they have me by the balls? without mentioning this being enforceable or sending me the original CCA details should I just look at this as a bluff? I can scan up but are double sided and quite some paperwork. they have card number, original address and all looks correct.

Looked up the agreement and the dates are correct so I guess they have me on that one. What information is required within the agreement to make this enforceable? I would have thought something with my given credit limit would be required. Il rescan the MBNA agreement, even from the original the text is way too small to read well! I would imagine a CCJ will come for sure on the first. should I ignore until they force my hand or shall I offer a token payment?