Hey Dx, Thankyou for your speedy reply and thankyou for editing my upload! I feel a lot more at ease now from your response. I am a little confused from PRA Groups response as at the bottom of page one it says: "I am currently waiting on Halifax confirming if a copy of the Default Notice letter is available. The Halifax has provided a copy of their electronic reacted copy of the "screen shot" from their systems which shows that the Default Notice was sent to the you on 6 November 2018 and the Final Demand was sent to you on 26 November 2018. …Based on the above information and documentation, I am satisfied that you remain liable for this account and balance owed." They have then put the account on hold until 18th March. Do I want to be responding to them asking for the default notice? Or do I just do nothing now and wait? Can they issue court proceedings without a copy of the Default notice? Will their screenshot suffice? Once again thanks for all your help and support. SS

Hello everyone, I have today received a response from PRA group in regards to my PAP and CCA request. I only sent it off to them on 28th Feb and their letter is dated 4th March. They unfortunately seem to be a lot more on the ball this time. I have attached the correspondence here and believe they have complied with everything that was required. From checking the statement the last payment made was in August 2018, am I right in assuming the debt is statue barred from August 2024? I'm getting a bit nervous/anxious now as were so close to the debt coming off my file, the last thing I want is to get a CCJ and have bad credit for another 6 years. Any advice as always is much appreciated. Many thanks 2024-03-04 PRA PAPLOC REPLY.pdf

Hey Robin, Thanks for your speedy reply. In my opinion your case has more merit than mine and that's why I wanted to ask. I assume your brother now has a CCJ registered against him? On another debt I have from years ago, before I came across this website, I just set up a tomlin order of £1 a month for eternity. The default has since dropped off my file. I'm contemplating just doing this again rather than it getting to court. Many thanks

Hey Robin, Sorry to hear about how it went at court. Do you have any updates to the story? I'm going through a similar situation myself and don't know whether to just set up a payment plan of say £10 a month for eternity or gamble at court. Many thanks

Hello everyone, As expected I have received some letters from PRA Group, not sure if they read these forums but received my first letter a week after my post! The first letter I received stated: PRA Group (UK) Limited recently transferred your accounts to PRA Group UK Portfolios Ltd. There is no change to how you normally talk to us, your accounts will continue to be managed by PRA Group (UK) Limited, but the benefits, rights, title and interest in these accounts are now owned by PRA Group UK Portfolios Ltd. I then a couple of days after received another letter before claim. I will of course send off the PAP request along with a CCA request. I just find it unusual that they have sent another one. Is this normal? Any advice would be great. Please find attached their letter. Many thanks in advance for any advice 2024-02-01 PRA Letter of claim.pdf

Thankyou for your prompt responses. I guess I'm still just playing the waiting game to see what their next move is. I'd imagine now is when they will start ramping up the pressure, the last thing id want now is a ccj and then another 6 years of waiting for it to get removed. I will of course keep updating the story as it progresses. Thankyou for reading and your contributions!

Hello everyone, Just wanted to post an update on my story. the 15 days PRA group gave me to settle have long been and gone and still as of yet no court action has been started. It will be 6 years since default in January 2025, I'm still keeping my fingers and toes crossed I can get there! Just a question, do they have to start the court proceedings before 6 years of default, or does the case need to get to court in front of a judge before that time. For instance if they issued proceeds in a few months time but I kept stalling them till after January would it then be unenforceable? Thankyou in advance for any advice or guidance

*update* Received a letter today from PRA Group, stating they are looking to start court proceedings in the next 15 days, as per their pre actual protocol. I have attached the letter to this email. Any advise on what to do would be greatly appreciated. Thank you in advance. PRA.pdf

Hello all, Just to give an update, ive had a letter from PRA Group today, saying they are taking my account off hold. I assume now is when they'll make their next move. The ball is in their court so to speak.

I was employed when I initially took the loan, circa 6 months later I left my job and started a business venture. A few months into this is when the financial troubles started and I stopped paying the loan. From what I can recall I would have stated to them the loan for was home improvements/car purchase neither of which is true. Hope this helps.

It appears to be a physical signature, it was from 2018 and i thought id done it online, perhaps they sent it through the post for me to sign. What would you advise my next move to be?

Hello Harold, Dx and Bazooka, Thankyou for taking the time to post. I believe the loan was taken out online via their app I stopped paying the loan as my business wasn't making enough money to cover the repayments and my mortgage. Foolishly I buried my head in the sand and didn't make contact with them. I have just double checked the uploaded document I attached on the first post. The signed agreement was on the back of a page so my scanner didn't pick it up. Please find it attached to this post. halifax loan signed edited.pdf

Hello everyone, I've been an avid reader of this forum for the past year and think after reading an abundance of information, I'm finally at the stage to ask a few questions. Thankyou in advance for any advise and support. Just to summarise: I defaulted on a Halifax unsecured loan in January 2019, never really heard anything until the last 6 months when started getting letters from PRA Group. I just ignored them until they sent a letter of claim back in March, I promptly responded back with a CCA request and have today received their response. They have provided a copy of the CCA agreement, but not of any of the statements or payments made, even though they state this in their letter. If you could also look at page 11 "under next steps" I believe these are internal notes of the claim handler that he's accidently printed and posted to me, as it doesn't make sense why this would be here. Also page 12 and 13 were sent to me printed like that, ive tried to decipher what was written, I believe its just generic debt charity advise. I'd like to know what my next move is now, do I just wait for an actual court summons or respond saying they haven't provided all the information requested? Many thanks Halifax loan - pra group 11_7_23edited-compressed.pdf