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  1. Hi All I have been in an ongoing tennis game with letters going back and fourth with regards to an old debt i had with the bank of scotland (Credit Card) I have sent the usual CCA request to the PRA Group and have received the following A signed credit agreement A notification of assignment - (showing PRA Group as holders of the debt from July 2014) A statement of account up to March 2011 However the statement of account is where I have the issue, they only provided me with a credit card statement up to March 2011, the total they are chasing is lower than the one issued on the statement. I know this should the case as I was using a debt management company (Compass) to handle the account, and they issued payment of £6.49 a month, Compass ironically went under in April 2014, taking my debt savings and no more payments were made to PRA Group. My point is PRA group have only produced a official statement up to 2011, and only provided a spreadsheet on business paper showing payment of £6.49 made a month. There is no official statement showing these payments were made by Compass and especially nothing to indicate compass was acting on my behalf. I am assuming that if PRA group cannot prove the £6.49 payments are made on my behalf, the debt can be classed as Statute Barred as officially my last payment to Bank of scotland would of been in 2011 I have attached the last letter from PRA which includes a sample of the statement they provided (which anyone could knock up on excel). Am I ok to challenge this statement and ask for proof of who paid the £6.49 and confirm documents stating on who's behalf the payments were made? Any help on this is appreciated Thanks
  2. Hi there, Looking to see if someone can give this CCA and accompanying letters a look over, I sent a CCA Request to PRA Group and got the attached back from them is it all there and legit? This is in regard to a recent agreement. Thanks in advance. Barclaycard Letter Redacted.pdf Barclaycard Base CCA Redacted.pdf Barclaycard CCA Redacted.pdf PRA Reply Redacted.pdf
  3. Hi, Hopefully someone can help with this.. My wife took out a debenhams card back in 2005 due to difficult circumstances in 2008 she defaulted on the account. this lead to eventually having a CCJ registered against her and a charge put on the property in October 2009. i have all the paperwork for this including the original agreement she signed in store, default notice court claim form the works. we are in a better position now and would like to know what would be the best outcome for resolving this? The CCJ is for just over £2k The ideal outcome would be to get the charge removed removed from the property, the CCJ removed from the credit file and a chunk if not all of the outstanding balance written off but that maybe too optimistic. any advice would be welcomed. Thanks in advance Covers22
  4. Name of the Claimant ? PRA Group Date of issue 19/12/2018 What is the claim for – 1.The claimant claims the sum of £4793.79 for an outstanding debt owed. 2.On 20.01.2005 the defendant entered into a an agreement with Barclays Bank PLC for a credit card under reference ….. 3.On the 06/05/2011 the defendant defaulted on the agreement with an outstanding balance of £5041.31. 4.On 17/08/2015 the debt of £5041.31 was assigned to PRA Group(UK) Ltd. Notices of assignment were sent to the defendant in accordance with S136 law of property act 1925. Payments of £232.96 were received up to 20/03/20108 and adjustments have been applied in the sum of £14.56. 5.AND THE CLAIMANT CLAIMS 1. The sum of £4793.79 An Egg CC debt £4793.79 + court costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?Yes What is the total value of the claim? £5058.79 what is the claim for: egg credit card When did you enter into the original agreement before or after April 2007 ? 2005 should I request the CCA I believe they won't have a problem proofing I owe this debt? Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?No it came off about a year ago Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.Debt purchaser PRA Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes sure I did ! Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Had a brain injury What was the date of your last payment?19/12/2018 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes How shall I defend / respond to this they seem to be using bully tactics and fishing for me to pay up the full amount which I don't have. in March last year they sent me a full and final settlement letter asking for £1680.37 I counter offered £1200 they refused it and said they would only take £1945 which is bizarre. PLEASE SEE ATTACHMENT, I questioned this on another forum and was told the wording is not right and the balance should be zero. If you have not already done so – send a CCA Request to the claimant for a copy of your agreement (except for Overdraft/ Mobile/Telephone accounts) Will Do ! Particulars of Claim An Egg CC debt £4793.79 + court costs I went into arrears in 2010 after a head injury and have been making monthly payments. Egg was bought by Barclaycard since then and then they assigned/sold the debt to the PRA group 17/08/2015. I have been paying without missing a payment but have not done their constant requests for income and expenditure. I got a letter November 13th say my account had been transferred to the investigations and litigation department which I ignored. Thanks for your help I don't have long to respond to this claim
  5. In December my carry on bag was lost/stolen whilst queuing to board a flight overseas. It contained just about everything important, laptop, camera, clothes, sunglasses,makeup the lot. As terrible and distressful this was I knew i had travel insurance to cover me for up to £2k of personal possessions. So i thought! I submitted my claim at the beginning of January. When you submit the claim they take 10 days to respond and tell you if they need further info,this has happened twice, meaning that today 20/2/19 still battling with this. "Please note that your insurance policy has a limit of £150.00 in total for unreceipted items. Therefore, as you have only been able to provide a receipt for the trainers of £73.97, our maximum liability for your claim will be £223.97. This will be paid into your nominated bank account within the next 5 days working days. This has been paid as a gesture of goodwill based on the report you provided as it still does not give all of the necessary information. We suggest you contact the airline for further compensation as they are responsible for the loss, we trust this clarifies our position". I called them and said I was very disappointed with this, as there was nothing for the laptop (It says they will cover upto £500 - the laptop was a gift from my late partner and i sent them receipt which was address to me). I also clarfied that the airline were not responsible and provided documentation accordingly. I.e lost and found reports comcluding item not found. I have missed my mortgage payment as have had to replace my laptop (as i cannot work without it) - they are taking so long to come back to me. Also I purchase essential items on arrival and they have not covered them either. They are not covering the majority of items in my bag basically. They have suggested i contact them via the complaints procedure. I am so annoyed, I took out this cover for peace of mind and it was hardly worth it. For the amount of time its taken to get the claim together, I should have just worked more hours doing my job and i would have basically been better off. Does anyone that is familiar with insurance policies know if it is acceptable to time they take to respond to these things, if i complain today (for them not covering the laptop and essential purchases which were receipted) they will probably take another 10 days to respond!
  6. Hi There, Been playing games with MBNA for months now on CCA etc and they passed onto PRA Group to chase, they have come back now and said the application was done digitally! Not sure where I stand now or what I can do? Thank you in advance for your help. Regards Steve H
  7. my friend cancelled his JSA claim today and has appointment booked with his ingeus advisor tomorrow, he has asked me if he can still get sanctioned for not attending as he is switching from JSA to ESA? sorry to keep going on but he keeps asking me.
  8. Hello BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me. I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017. I have not paid any monies toward the debt which had a default registered from 2013 until January 2017. There have been no default notices recorded after January 2017. I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in December 2016 to Prac who use BWlegal. I hope the above is not too confusing, I do want to resolve the issue but is bwlegal entitled to be asking for payments from me? Look forward to your responses
  9. I was out of work 4 years ago and agreed a 5 year payment plan with MBNA for a credit card debt (14,000), they stopped the interest , I have been paying this for 4 years +3months never defaulted , I have now received a letter saying they have now sold my debt (1900.00) to The PRA Group … .yesterday I received 3 calls from them which i have not responded to....what happens now? the letter from MBNA says I don't need to do anything and PRA group will carry on the agreement so why are they calling me? any advice appreciated!
  10. I have just received my renewal form for ESA. I have been in the support group from the start. Originally claim was based on my depression and severe anxiety. I cannot remember how long since my last assessment but it must be over 5 years+. Since that time my physical health as gone down and I now have emphysema/COPD and severe osteoarthritis. I had one face to face at the beginning and it as all been paper based since then. I have made a "right of access" request for my records. My first question is this the same as a subject access request? Where I get all information about me ie written, digital etc. Secondly will it be useful to know why I was given it last time. Also can their own evidence ie assessments etc be used as nothing as really changed mentally and I have lots of evidence of physical problems.
  11. Hi, Had a letter today from PRA Group for a 16 year old debt had back in 2002 and they're offering a discounted payment i believe the debt would be statute barred? nothing on my credit file is it worth sending a letter under the Limitation Act? Thanks
  12. Hi, I appreciate any help on this one. My mum received a letter before claim from bw legal acting on behalf of pra group so we sent a cca request to pra group. This morning she got a response from pra group saying that they were unable to fulfil her request as they have not yet completed the required security checks in order to verify her identity and sent the postal order back. They want her to write or phone to tell them her name, date of birth and previous addresses even though we put her name and adress at the top of the cca request along with the reference no. from bw legals letter. If anyone could give me some advice on how to respond that would be great. I've sent cca request to other dca's in the past but I've never received that response.
  13. Good Morning, Today i received a letter from PRA group in relation to a quick quid loan taken out in March 2011, they are offering around a 70% discount, The letter is titled "Could you settle your account?" I did query this loan in 2015 so i have a statement of the account. I was just wondering what my next steps would be to get them to stop hassling me and would this be statue barred as the last payment was made in May 2011. Thanks DC
  14. Hi, I'm new to this forum and looking to get some advice on a dispute my parents are having. They paid (by cheque) to have new Soffits and Fascia’s fitted by a company called EnviroTherm based in Ilkeston, Derbyshire. https://www.envirothermgroup.com/ My parents received a phone call out of the blue from a salesman who had provided a quote for the work 2/3 years ago saying he had moved company (to EnviroTherm) and asking to visit them to provide a new quote as he felt his new company would be cheaper. His new company (EnviroTherm) were more expensive until he phoned his manager and knocked around £1,000 off the price bringing the total price down to £2,375. I know this is a sales tactic but unfortunately they fell for it. My parents paid a 50% deposit which was £1,187.50. The deposit was only refundable within 14 days but EnviroTherm contacted my parents after 14 days had passed demanding an extra £1,500 for scaffolding. My parents stated that they would not pay the extra money and if the work couldn't be carried out for the agreed price they wanted their money back. EnviroTherm initially argued that their request was after the 14 days but when my parents argued the fact that the agreed price had been changed after the 14 days EnviroTherm agreed to refund their deposit. The process of getting EnviroTherm to agree to refund the deposit took many phone calls to speak to the manager who was always in a meeting or out of the office. One day my mum was even advised in the morning that he was in a meeting and later that day that he wasn't in work that day. Eventually, after many phone calls and many false claims to have posted a cheque EnviroTherm did send a cheque to my parents last Wednesday (25th April) which they received the next day and paid into the bank on Friday. Today my parents have been advised that the cheque has been cancelled by the company. The company have answered my mum's phone call today and claimed they are looking into the situation. They asked for her bank details but she didn't give these as she doesn't trust the company and instead demanded a new cheque. She's currently waiting to hear back. We're not hopeful of getting this resolved as my research into the company has highlighted that it is owned by a Jason David Rowan or Lord Jason David Rowan who was the owner of EnergySave who featured on Rogue Traders for their pressurised selling similar to that used on my parents but also much worse as well as their racism. I'm looking for advice on what legal step to take? I've read about a letter before action, is that the next step to take? I feel that they need to put something in writing the company as most of her communication has been over the phone. Any help or advice would be gratefully received!
  15. Hi, Just wondering if anyone can help, my claim for income protection has been declined. I have appealed but couldn't see any reason for the insurers to decline the first place I have been diagnosed with depression. Please see the reasons below: 1) They rejected claim without seeking any medical evidence from my doctor 2) They applied a deferred period even though they state it is a linked claim 3) During Rehabilitation Sessions (which turned out to be Claim Assessment Sessions) the specialist was more interested in gathering information to build a predefined conclusion to my absence other than my symptoms I would be grateful if anyone can help with the following: Does my employer have a duty to ensure the claim is assessed fairly Does my employer have a duty to litigate against the insurer Can my employer sack me before I get a decision from the Financial Ombudsman Thanks Ad
  16. Hi, I have 2 loans with welcome. 1 was for a car where I was well ripped off, and the other for a cash loan. There is no HP. My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63. Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64. I CCA them a few weeks ago and got my original document. Never knew I was paying that much. also got a copy of all payments made since stay of loan in Sept 2007. Interest was added monthly until 05/05/2010 when went to step change. Then frozen. Only 1 fee of £20 for direct debit cancellation in may 2008. I want rid of this debt, feel I've paid enough, or in my calculations only now owe £111.01 minus any extra charges. What can I do. My next post will be about my car. AKTIV KAPITAL have not supplied my payments made but my balance is still £6163.23 Been paying this since January 2008. Went to step change in may 2010. I've looked closely at my credit agreement and there is shortfall extra insurance that I didn't ask for, and a whole array of confusing figures. The amount of credit for the goods was 7950. I've been conned and want to sort this out as lost my job, (but am fighting in employment tribunal) and need to clear up my debts as got loads of them totaling 15k. Please help
  17. Hi hoping someone can help, Today I received a court summons from Greenbelt group Limited claiming 9 years worth of maintenance charges for green space land next to my home. I moved into the property in early 2007, had no communication from these people until 2010. They say that my title deeds state that I am owe them a share of money for the upkeep of grassy areas within my estate where I live. I have always disputed the charge and never paid them any money at all in the 9 years that I have lived at this address. The green space directly next to my home is in a poor state ruined by the sporting activities from children in the area. Greenbelt group (whom I have never seen on my estate) have not attempted to replace grassy areas and plants ruined by the kids activities thus I feel the charge is unjustified. Would this debt be barred under time limitations? I need to submit a defense and not sure whether to do so under time barred debt or their failure to provide services that they charge for? Has anyone had any experience with this company? Thanking in advance for any advice
  18. I hope I'm in the right forum for this. I've just made my fortnightly signing on at the job centre and saw someone I have not seen before. When I presented my usual print out of job application emails etc. (trial and error has taught me this is the most idiot proof way to present a job search) she advised me that I didn't have to do that and pretty soon they will be introducing 'group signings' where people attend in groups of about 15 and can just show their job search on their tablet or phone. Apparently they will soon not have enough staff to do anything more personal. 'You can just show them your job search on your phone or tablet' she said I pointed out that I had neither a mobile phone nor a tablet, just a laptop at home, and would prefer to continue bringing in my print outs - didn't mention it was because it's idiot proof but that is why lol - even if I had a phone or tablet I would certainly not be offering up my email or any other personal account to their scrutiny. She then mentioned I could use their computers to go into these account but I found out weeks ago that they use Open Office, cannot open pdf documents, and in any case I was not prepared to do this, I maintained that I preferred to bring in the print outs, and pointed out that it is entirely up to me how I present my job search and this is the method I chose. This was not in any way a nasty conversation and I was actually laughing by now and asked her if she really thought this was going to work, her face said she knew it wouldn't. 'It'll be like a chimps tea party won't it' I suggested, she seemed to agree. ' I bet I'll be the first one out the door after showing someone my print out won't I' she still seemed to agree but now wanted me to leave because I was making too much sense, my first attempt to sign went very wrong because I was laughing so I had to do it again (a first) I've had a bit of a Google and can't find anything about what promises to be an entertaining farce - at least for anyone with a print out of their job search. Anyone heard of or had experience of this 'group signing'?
  19. I was on income based ESA in the support group. I just got a letter today, 29 Mar 2018, dated 23 Mar 2018 that my ESA will be cancelled from 27 Mar 2018. Reason: You have not paid or been credited with enough National Insurance Contributions. We have based the tax years ending 5 April 2011 and 5 April 2012 to assess your claim. What confused me is that I was claiming JSA all through those tax years. I thought JSA credited NI payments? Also, in the same letter it says: We will still credit you with National Insurance contributions while claiming Employment and Support Allowance. So, I am confused. How can I run out of NI payments on income based ESA in the support group? There are absolutely no instructions what to do next. They cancelled my ESA 2 days before I received the letter so I have absolutely no income provision. What are my options? Will my housing benefit be cancelled and I am made homeless again?
  20. Hello, My mom has just received a letter from Atos asking her to telephone to arrange a medical (within 2 days of receipt of letter). Now my mom is in no state to be calling them, we are dealing here with severe mental health issues and she doesnt speak to anyone, she doesnt even know we have a letter! She has recently been referred to the Mental Health Team and we are awaiting contact from them. When the questionnaire arrived, a local agency helped me complete the form on my mom's behalf and they said she will need a home visit if a medical is needed. The Job Centre recently wrote regarding a 'back to work' meeting, I called them and explained the situ and they called me on the day of my mom's appointment and I explained to them that my mom could not speak with them, they were great and said they would do the same thing next time they needed another one of these meetings. y worry now is, how do I handle the telephone call when I ring Atos, any suggestions. I notice on another thread that maybe I should have enclosed a letter with my mom's questionnaire asking for details of the 'qualified healthcare professional' who is assessing my mothers questionnaire. Any help is greatfully received.
  21. I received a letter from PRA Group recently which states:- Dear Mr XXXXXXXXXX PRA Group (UK) Limited ("PRA GROUP") Account Reference Number: XXXXXXXXXX We write further to the above and to inform you that your account has now been transferred to the Investigations and Litigation Department. This is a letter before claim as required by the Practice Direction on Pre-Action Protocols, to give you notice of PRA Group's intention to issue court proceedings against you. You should consider the contents of this letter carefully and seek legal advice or alternatively contact one of the free agencies detailed on the enclosed document. We specifically refer to paragraph 4 of the Practice Direction and set out in that paragraph are the courts powers to impose sanctions for failure to comply with the Practice Direction. You will recall that you entered a written agreement numbered XXXXXXXXXX on or around xx/xx/1998 with MBNA Europe Bank ("the Creditor"). The agreement was regulated by the Consumer Credit Act 1974. The agreement obliged you to make payments, however, in breach of the agreement you failed to make those payments and are now in breach of the agreement. By a notice of default the Creditor required you to remedy the breach within the prescribed period and gave notice that, in default of so doing, you would be liable to pay the monies due and owing. However, you did not remedy the specified breach within the prescribed period and you then became liable to pay the Creditor the sum of £xxxx By an assignment in writing dated xx/xx/2014, the Creditor assigned the debt to PRA Group. Then by notice in writing the Creditor and PRA Group wrote to you to notify you of the assignment. PRA Group has made further written and oral requests for payment of the sums but you have not paid the sum due and owing. If after considering this letter you take the view that you do not owe £xxxx then we look forward to receiving your reasons why you take that view plus supporting documentation. We do not presently envisage that expert evidence will be needed in this claim. This letter should be treated as an invitation to refer this dispute to medeation or some other form of alternative dispute resolution (ADR). In addition this letter triggers certain time limits that effect you:- 1. You are expected to acknowledge and answer this latter before claim by xx/12/2016. 2. You are expected to respond to the invitation to refer this matter to ADR by xx/12/2016. We look forward to receiving your letter in reply, responding to the claims made against you and / or setting out your proposals for settlement / payment. We are prepared to discuss repayment options if this assists you. If we do not hear from you within the above time limits then court proceedings will be issued against you which may increase your liability for interest and costs. If you have any difficulty in complying with the above limits please explain the problem to us as soon as possible and we will consider a reasonable request for extension. Yours sincerely Litigation manager PRA Group (UK) Limited Tonight I have done a CCA request to them which will be sent tomorrow. Is there anything else I need to do or just wait for there reply? Thanks in advance
  22. hi guys hoping someone can shed some light on this. applied for universal credits 14/12/16, handing in fit notes ever since etc been waiting since to have WCA and i called to ask what was happening with that on friday UC said my work group had changed to no work related activity and i wouldn't have to attended the appointment they scheduled for me, that for me is a weight off my shoulders since i have agoraphobia being forced to go to the job centre every month always ends up with me in a state crying because i don't want to be outside. anyway, the advisor couldn't work out why now that my group has changed, that there wasn't any payment issued since i've been waiting since Dec 2016. Case manager was meant to call me back friday by 6pm, which never happened. i've had problems with him before, meant to contact me before 6pm the day i called, this was nearly 5 weeks ago and i'm still waiting. anyway, rambling on here. i just want to know really peoples experiences once their work group changed, how long did it take to receive their back payment. My work group changed on the 16th so it seems like its taking longer than it should. im just worried because even though my group has changed, theyve told me that i don't need to go to anymore appointments yet another advisor that i spoke to said i still have to go. if i don't go, i dont get paid and then i dont have any money for myself and my kids to live on. hope someone can put my mind at ease since i'm getting stressed out which isn't helping my current condition. thanks guys
  23. Hi there, My wife and I have unfortunately gotten ourselves into around £20,000 of debt. I recently wrote to the agencies sending out letters using the template to ask for the signed credit agreement. We have received this back from PRA GROUP. Could someone possibly give us some advice on what we need to do next Thank you Here
  24. Hello ,had a letter today from PRA saying I owed £3,900 I telephoned them and asked what is this about was told it was from a car finance debt from 2011 and not at the address I been living at for 13 years. I asked to see copies of credit agreement which the response was they did not have. after the telephone call ended and asked family I remembered having finance for a car in 2004 and that was the only one I had. Can they still chase me for that debt and why are they saying the debt is from 2011 ?
  25. So i would start a thread in the QuickQuid sub forum for my CCA sent to Mack Hall as the original creditor is QQ correct?
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