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Found 70 results

  1. hello everyone. just started this thread for a colleague, who needs some advice and is not very good with computers. history of debt Barclaycard credit card 01/2008 debt management 08/2009 arranged with Barclays a reduced payment plan which was accepted while on the debt management plan. PRA GROUP was assigned the debt from Barclaycard 08/2015 Last payment made 02/2018 Name of the Claimant ? PRA Group Date of issue 17/01/2019 What is the claim for – 1.The claimant claims the sum of £1834.29 for an outstanding debt owed. 2.On 22.01.2008 the defendant entered into a an agreement with Barclays Bank PLC for a credit card under reference ….. 3.On the 06/2018 the defendant defaulted on the agreement with an outstanding balance of £2019.29. 4.On 17/08/2015 the debt of £2301.02 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 £434.52 were received up to 06/06/2018 and adjustments have been applied in the sum of £32.21. 5.AND THE CLAIMANT CLAIMS 1. The sum of £1834.29 A Barclaycard CC debt £1834.29 + 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? £2019.29 what is the claim for:Barclaycard credit card When did you enter into the original agreement before or after April 2007 ? 01/2008 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?NO 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? I don't remember receiving this information Did you receive a Default Notice from the original creditor? No, after ringing Barclaycard they claim that the account was never defaulted. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Just letters from PRA stating you are behind with your payments Why did you cease payments? Got into financial difficulties What was the date of your last payment?06/02/2018 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 I was on a debt management plan He has done the AOS on MCOL. CCA request ready to send to claimants CPR.31.14 ready to send to claimants solicitors Any help and advice appreciated. Donation will be made thank you
  2. Hi, I am wondering if anyone can confirm whether the attached CCA request from Barclays is enforceable. I took the card out in 2011 and along with an MBNA card i stopped payments in Feb 2018 with a balance of £9104 on the BC. I contacted Step change and entered into a DMP paying £344pm to cover both cards. In Aug i sent the CCA request to Barclays and they returned the document, i thought it was legit because it had my name and address on so filed it away and did not send one to MBNA. A month after the CCA request i was informed that my debt had been sold on to PRA which i thought odd because i was almost paying the minimum amount. I have been reducing the amount i pay through budget reviews and am down to £170pm between both cards. new year and decided to get a grip, i have requested a CCA from PRA and MBNA, PRA have replied saying that they are trying to retrieve the documents, i am presuming that they will be the same as the ones that BC sent me and have put my account on hold. So, if they supply the same docs is it enforceable and what info is missing from the document. I have searched for what info should be provided but have drawn a blank. Apologies for the first couple of pages not being in order. Any help greatly appreciated. S25C-919012107300.pdf
  3. 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
  4. 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
  5. 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
  6. 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.
  7. 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!
  8. 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
  9. 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.
  10. 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
  11. 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
  12. Hi, My elderly parents are getting continuous calls on Mobile and Landline from PRA. If they send a telephone harassment letter will it affect the fact that the debt as it is nearly 6 years old. Thank you
  13. 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
  14. 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
  15. 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 ?
  16. Hi all, new to the sight, and indeed, to debt. Had a look around here this morning, and I'm quite frankly overwhelmed by all that is concerned with debt and debt resolution, so please, bear with my ignorance! I'll try to keep this as concise as possible also. Full time employed home owner/mortgage, one active credit card with my bank which I over pay on religiously (£2k balance) so no issues there. No HP/credit, and no defaulted utilities. Wife left Dec 2015 (not divorced yet), I remain in the house and the mortgage is in my name. I'm also a lone parent to 2 boys, 6yrs and 9yrs. In Jan 2016 I got a letter from PRA stating 'my' account had defaulted on 'my' debt (from MBNA credit card) of £10278.34 and advising me I had previously to that point been paying £80pm against the amount. I had no knowledge of this until the letter landed on my mat. As you can imagine... It's come to light that my estranged wife had, over a number of years, been using one of my cards without my knowledge. The first I knew of this debt was the letter from PRA. At the time I was left financially devastated, and have spent the past 20 odd months getting back on an even keel (hence the £2k balance on my current credit card). As such, during this time, I kicked this £10278 debt 'into the long grass' as it was not my priority. Wife also owes other debt held by PRA and a number of other debt companies, and has 'bumped' many of these payday loan companies. I get regular mail in her name from people chasing her for debt. Quite the girl. I have received several more letters from PRA (last one Aug 17th 2017) advising me the matter is with their litigation/investigation/collections team, and an offer of a 'one off' discount allowing me to pay only £9250.51. They've also predictably been phoning me (assuming estranged wife gave them my number...), and also phoned daily by what has been described to me as a 'hunter' for PRA to establish if I am resident at my address. None of these calls I have answered. I am expecting a doorstep knock, as this 'hunter' is only 20 miles away. I was at the point last week of phoning them and saying, "I can give you £100pm...." but thought better of it. As I am seething that the debt I did not accrue is in my name, but yes technically it is my debt. I have no way of disproving this. I spoke to a solicitor last year who advised they could likely establish the debt was not accrued by me, but it would probably cost me £10k in their fees. As it stands then, wife had been paying £80pm to Activ Kapitol (the only thing she did concede), and stopped paying when she left in Dec 2015 (they should have knowledge her paying it over the years as it would have to come out of her account). Obviously, the status of the debt is 'defaulted'. I've paid nothing to it as I wasn't able to during this period. The only thing I have done (last week) was fill in the assessment form on PRA's website. Gin has a lot to answer for... What's my situation? What's likely to happen next? Will I end up in court/CCJ? Do I have to pay this? Should I just pay this and get on with my life? Again, please appreciate I'm all new to this. And yeah, I know, ignorance of the debt is no defence. Many thanks, Jason.
  17. 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?
  18. Yesterday I received a court claim form from the company in the title. I have never heard of them before they are claiming I owe £1110.41 with court fees of £70 & legal costs of £80 on top, so are taking me to court claiming I owe them the total of £1260.41 I've spoken to debt helpline who told me to accept I owe the debt from 2012 which is less & offer payment plan within the 14 days of the letter. Then she gave me links to find a legal aid solicitor or I'll get it ruled against me & get a ccj. Do I just have to accept this & pay the extra? Can anyone advise?
  19. Hi, have just found this thread whilst trying to respond to claim forms to PRA group. I am hoping that someone can help. I received a claim form dated 19th December from PRA group for a historical debt with MBNA. I just logged on to the moneyclaim sort this out and am baffled. I had a historical debt and was making regular payments, I hadn't intentionally defaulted from these payments. However PRA group have stated that my payments stopped in June 2016 as the company (experto credite) passed the debt on to PRA group. However looking at the court documents it appears that PRA group had the debt since Dec 2014 so I can't understand why the payments have defaulted. I emailed PRA group requesting a copy of all letters but haven't heard back. Is there anything that I can do? Should I defend the charges and interest charges or just make an offer of payment?
  20. As above really. One from lending stream One from pra group Both active defaults Though default date is wrong on pra default What's the best way to get one removed
  21. Hi Name of the Claimant ? PRA Group Ltd Date of issue – 03.04.17 Date of to acknowledge - 21.04.17 Date to File Defence - by 4pm 05.05.17 What is the claim for – 1.The claimant claims the sum of £5,000 for debt and interest. 2.On X/X/02 the defendant entered into an agreement with MBNA for a Credit Card under ref XXXX. 3.On X/X/09 the defendant defaulted on the agreement with an outstanding balance of £5000. 4. On X/X/13 the debt was assigned to Aktiv Kapital who itself assigned the debt to PRA Group on X/X/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. 5.Payments of £600 received up to X/X/14 AND THE CLAIMANT CLAIMS 1. The sum of £4800. 2. Stautory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8% per annum from X/X/14 to X/X/17 1000 and thereafter at a daily rate of 1.05 until judgment or sooner payment. What is the value of the claim? £6300 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card. When did you enter into the original agreement before or after 2007? Before. 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? PRA Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, think so. Did you receive a Default Notice from the original creditor? Not sure but likely. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes probably. Why did you cease payments? Low income, family stress. What was the date of your last payment? Sometime in 2016. I set up a debt management plan to pay off debts, not successfully. 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. ..... Having looked through the threads here I can see that I am not unique in this regard. I know this debt is enforceable if PRA has the original agreement though I don't know if they do have this or not. I also realise that I have until Friday to respond to the claim. Any help is much appreciated.
  22. Name of the Claimant ? PRA Group (UK) Limited Date of issue – 05 Sep 2016 Date to submit defence = 07/10 (33 days in total) - What is the claim for – 1.The claimant claims the sum of 19,000 for debt and interest. 2.On 18/07/05 the defendant entered into an agreement with HSBC Bank plc for an overdraft under reference xxxxxxxxxxxxxx. 3.On 30/6/06 the defendant defaulted on the agreement with an outstanding balance of 24,500. 4.On 25/09/07 the debt of 24,500 assigned to Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. Payments of 324.00 received up to 30/08/13 5.AND THE CLAIMANT CLAIMS 1. The sum of 15,000 2. Statutory interest pursuant to section 69 of the County Court Act 1984 at a rate of 8.00% per annum from 30/08/13 to 02/09/16 3669 and thereafter at a daily rate of 3.34 until judgment or sooner payment. What is the value of the claim? 19,866 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? OD/LOAN The particulars of the claim section states it is an overdraft. This is incorrect; no overdraft was held for more than £100. A joint loan was defaulted with HSBC for a similar amount at that time though. When did you enter into the original agreement before or after 2007? Before. It was 2005 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. PRA group Were you aware the account had been assigned –did you receive a Notice of Assignment? Possibly. Most debt related letters destroyed years ago. Did you receive a Default Notice from the original creditor? Probably but unsure. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't know. Why did you cease payments? Financial difficulties. What was the date of your last payment? 30/08/13 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 managementicon plan? Yes. We tried to enter into an IVA but not all of the creditors agreed and it never started. Additional info Is there a way to reduce the amount of this claim, or stop it altogether? If not, what would be the minimum amount you'd suggest offering as a monthly payment? any help gratefully appreciated. Thanks.
  23. Hello all !, I received a letter from PRA Group a couple of days ago. Letter opens with "in order to comply with our obligations under the Consumer Credit Act 1974, We are providing you with this statement of your account. Opening bal: £545.40 Total payments recieved £0.00 Balance adjustments £0.00" Letter also gives a ref number and says I owed Lloyds TSB Bank PLc, the agreement date was 30 May 2002. And offers a settlement payment amount of £54.54. I have never had an account with Lloyds TSB. I panicked thinking someone may have stolen my details, as I've never had a letter of this nature before. Have checked credit files from the usual three and there's nothing. My name is a common name (G Jones), I work with two others with the same first and sir name so had thought it could be for a different G Jones but that doesn't account for the letter having my address on it. Do I contact PRA Group ? Do I ignore ? I'm not sure what to do, not slept the last two days. Thanks in advance and apologies if I've posted in the wrong place or duplicated a thread. G
  24. I need some advice on how to proceed with PRA Group?, over the past years PRA have written to me regarding a debt going back over 7 - 8 years that is owed to Nationwide, just recently they have started writing to me again and their latest letter is not offering their usual hefty discount but instead 'Dear xxxx Could you settle your account?'. Also on their letter they state an agreement date of 13 January 2005, this was not an agreed overdraft but my bank account went overdrawn by a very small amount (just over £10 if I remember rightly) and I was hit with multiple bank charges which caused the account to go even further overdrawn which lead to even more bank charges being added on top, the amount owed according to PRA is £390. After researching the forums I sent the Statute Barred letter to PRA as I was 100% sure that no payments have ever been made by me on this account, today I received a e-mail from PRA stating 'Thank you for your query which we received on 19/05/2017 in which you advised your account has now exceeded the period specified in the “Limitations Act 1980”. Under the “Limitations Act 1980” we have six years to collect the outstanding balance and after this time the debt becomes unenforceable. This means that we are unable to pursue this through the courts. Our records indicate that the last payment made to the account was on 28/02/2017. Please be advised that this payment is deemed as acknowledgement of the debt and as such, would reset the limitations period for a further 6 years from this date. Whilst I appreciate that this may not be the response you were looking for, please be aware that we at PRA Group (UK) remain committed to working with you to come to an appropriate resolution. We have requested documentation from Nationwide. As PRA Group UK Limited do not hold the information internally, we have held your account until our client is able to provide the documentation applied for. During this time you will receive no further letters or calls.' I would like some advice regarding their e-mail as I HAVE NOT MADE ANY PAYMENTS against this debt so I would like to know where they got this date from, I have replied to their e-mail asking for details regarding this payment and I confirmed to them that I have absolutely no knowledge of this payment being made. Are they chancing their luck?
  25. I'll begin with thanking any one who can help and advise me with this. I had a Bank of Scotland credit card from1995 until 2006 when employment and marital issues took their toll and I was unable to meet payments required but did continue to make minimal payments. They subsequently passed the debt to Moorcroft Debt recovery and I continued to make monthly £20 payments more when I could The debt has reduced from £13700 to £9640 (oct 2016) Other than a few reminder letters MDL seemed ok to receive monies. On 24/10/2016 i received a letter from PRA group advising they had purchased debt (no confirmation of this received from MDL) I did not contact either company at this point and ceased my monthly payments. Their letter also stated debt was with Lloyds TSB bank letter who I understand took over BoS in the financial crash of 2008 On 17/11/2016 i received letter before claim notice as required for pre action protocols In response to this I sent s78 request signed for with £1 PO Reply recd 3/12/16 returning the £1 PO saying it was not required and case on hold until they sent me the requested info together with their 'fact sheet 'saying it may take longer than the 12 working days. 26/1/17 PRA letter received with copy credit card statements only from 2003 to 2006 and advising debt marked as currently unenforceable. 1/2/17 PRA letter received with copy of original signed credit agreement and letter still advising debt currently deemed unenforceable. 20/2/17 PRA letter received chasing debt again and asking for contact which I have not done. 6/3/17 PRA claim letter received before pre action protocols wanting response before 22/3 constituting a formal demand for payment before court proceedings are started. It also states the creditor assigned this to PRA on 6/11/2014 but they did not have this case until October 2016 it was previously assigned to Moorcroft debt recovery I am not sure what to do now and any help /advice would be greatly appreciated Again thanks in advance
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