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PRA/MBNA debt-CCA sent-received a reply. Help needed


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Credit Card-MBNA

-Account start date 05/2006,

defaulted -06/2010 at £6550.

Noddle currently shows that I owe : £5250.

 

I found a letter dated 01/09/2010 from Experto Credite advising me that Varde Investments(Ireland) Limited

has bought the interest of MBNAlink3.gif Europe Banks Limited and they are legal owner of my account.

‘Under the terms of assignment Experto Credite Ltd has been appointed by Varde to recover any and all outstanding sums.’

 

I paid Experto Credite £20 on monthly basis

until Aktiv Capital contacted me to inform me that they have taken over my account.

 

They agreed to the £1 monthly payment in 2013 (which was agreed with Experto Credite already I think) and since then I have been paying it.

I noticed just recently that on my Noddle report instead of Activ Capital, PRA Group UK has taken place as a lender.The last letter I received before I moved away in 2013 was from Aktiv Kapital ltd.

I have been paying them £1 for more than 2 years.

 

Now I want to update them about my new address and request CCA

but they are no longer Aktiv Kapital ltd.

They are PRA ltd.

 

They probably sent me a letter to notify me at my old address...

Their bank details are still the same so my £1 has been going to them

and they update my Credit record file regularly.

 

I called the Aktiv Kapital telephone number from the letter I last received in 2013 but PRA answered.

I did not introduce myself

- just asked them to who to write and they explained to write to PRA in Scotland not to Aktiv Kapital in Bromley.

 

Who should I address the letter to:

PRA or Aktiv Kapital or both?

 

What do you think?

 

My address:

Their address:

Aktiv Kapital(UK)Ltd/ PRA ltd

2 The Cross

Kilmarnock

Scotland

KA1 1LR

 

Date:

Dear Sir or Madam,

..................

 

or

My address:

 

Their address:

Aktiv Kapital Ltd

2 The Cross

Kilmarnock

Scotland

KA1 1LR

 

Date:

Dear Sir or Madam,

.....................

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I am quite sure there are lots of charges added as I think the card was for £5000 max credit and I paid them back a lot of money before defaulting.

 

I sent CCA request to PRA Limited (Aktiv Kapital) and change of address letter on 7/01/16

 

CCA request received by former Aktiv Kapital now PRA Group (UK) Limited on 08/01/16

Today I received the attached letter below from them. Apologies that the quality of the file is not a very high standard.

 

Should I write to them:

Dear ...

Ref:

My full name:...

My date of birth:..

My previous address:...

 

I look forward to receiving the CCA I requested on 07/01/2016 and provided £1 payment.

 

Please advise if the above reply to them is suitable.

 

Are they entitled to the requested information?

If they don't believe that this is me maybe I stop paying them

and they will never be able to ask me to pay as they don't have enough proof that this is me?;-)

 

Would you suggest SAR to MBNA as I have not kept any statements

(I think the paperwork has been left at a friends loft, and the friend is abroad for the next few years,

so I will be unable to collect it any time soon).

PRA-12-01-16.jpg

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AK are the PRA group

its just their parent company

 

expert and varde are part of the same group too....

 

sadly another cash cow account me thinks...

 

send them what they want

just don't sign anything.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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ps

only give them what you know they need to ID for this account.

 

 

poss address at time you took it out

and/or a change of name.

 

 

NOT a complete list

 

 

play them at their own game.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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I was thinking to only give them my previous address (the last one plus the current one). They have sent me letters there in the past.

 

 

My name is the same as from DOB and they already have it, so I will maybe give them my DOB. Nothing else...If they think this is enough that's it.

On full name I have not put my middle name- this is not necessary is it?

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just the address you lived at when you took the card out that's all

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Amazing that they have been happy to write to you previously with details of the account, and have accepted payments without needing to know this information....

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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You are correct, I use to change address quite often and no one ever bothered to ask me any security questions before accepting my new address details,the most important was to pay them.

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  • 2 weeks later...

I have received a reply from PRA, showing sub client Varde Experto.

 

They have returned my postal order for £1 and they say that it was not required to carry out the request.

They say that my account has been on HOLD which will cease any further collection activity until further notice.

This means that I don't need to pay my token payment for now then?

 

They have also sent me 2 pages with general information they send to everyone

who has sent CCA request to them of questions and answers:

what they should provide,

what happens if I don't get the required information etc...

 

Some of the points they make there don't make sense but I am not an expert:

for example they say:

 

They should provide me what the original agreement was, and if there were any changes made to it later,

include my name and address at the time I first signed the agreement,

but it doesn't have to include my signature, or the date I signed it...

If this has not been posted already by another Cager and you are interested to see

the general information papers please let me know and I will upload them and post here...

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for a takeout date of 2006

theyll need the signed cca to enforce in court

once 12+2 working days have passed since you sent it

you could stop payments

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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They say that : 'I have placed your account on hold which will cease any further collections activity until further notice.'

 

I sent the CCA request on the 7th of January and they received it on the 8th

then they sent me a letter on the 12th to ask for additional details

and I sent the additional details on the 13th which they have received on the 14th.

 

12 working days is on the 26-27th?

I pay them on the 28th of each month.

 

I don't need to send them any letters telling them that they have not provided the CCA on time, right?

as they already have told me that the account is put on hold.

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Thanks DX for your help.

Yes I thought it has to be signed.

 

 

..but these 2 pages are general questions and answers sent to everyone I guess.

Once I have any news from them I will update you.

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  • 4 weeks later...

that's what they have to send you better than yearly

if they consider they are your 'creditor'

 

means nothing ...ignore

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Just to let you know I have received some crap information regarding the CCA I requested from PRA.

I am unable to scan it at the moment but I will do first thing on Monday

I will attach it here as I will need your advise please.

 

1st thing they sent me an 'agreement' no signature etc...

also the conditions are clearly not the original ones

because I had this credit card with interest free for 6 or 12 months and this is not mentioned at all.

 

2nd letter I have received is something like a history of payments and charges which are clearly not mine

as I can see clearly whoever this statement belongs to they have purchased lots of things during the years from a particular town

.I have never been in this town.

 

I stopped using this card in 2008.

I did not have a chance to look carefully but it shows many purchases in 2012-2013.

I have never made these purchases.

I was never supplied with a credit card after 2008.

It is absolute crap what they have provided me with.

 

There is PPI added also which I am sure I have never chosen to have as I was self employed.

The account number on Noddle shows completely different last 4 numbers

than the card number stated on the papers they have sent me...

 

A strange thing are the last 4 lines of the 'statement':

date- lost/stolen Credit card Charge Offs- Charge OFF Adjustment: -5598.8 and card number

same date-Lost/stolen Debit Charrge Offs-Charge OFF Adjustment: 5598.8 and different/another card number on here and the next 2 lines???

date (5 days later)Payments- Payment by cheque-thank you: -1

date (one month later) Monetary Credit Adjustments- ZERO CURBL ON SOLD ACCT:-5597.8

 

What this means???

Do anybody know?

It is clearly not my statement but curious what are these LOST/STOLEN Offs??

 

I will give you more detail on Monday first thing.

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total crap then

 

about right for them!!

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yes crap

I guess they sent mine to the other person, so maybe they have it.

 

I will get back with more details on Monday.

 

I guess I should complain to whom I am not sure?

that they sent me sensitive information which belongs to somebody else.

 

I can see on the statement the full card numbers of someone else

and what they bought, where they bought items from and what they paid back etc...

 

I should also write to them telling them what they have done maybe.

Because they say : now you have what you wanted contact us to arrange a settlement.

 

I have never said to them that I can pay them more than the agreed £1.

..but they are not having even this at the moment until they provide me with the correct CCA.

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tell the ICO

 

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Yes thanks, I will.

 

 

I found a template letter on their website.

 

 

Although they say I have to contact first PRA and ask them to resolve the issue

and does not matter what the outcome is I still can report to the ICO.

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