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Debt management, dca shall I send CCA


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Hi

 

I have 2 debts that were started in approx 2006

one barclaycard PRA group sold to these in 2015

one abbey loan now with Cabot.

 

both been in a dmp since 2010 and I've been paying monthly to a company.

 

I've stopped that now and I pay direct.

But what I was wondering is do I send a CCA to the company which have aquired these debts.

 

One is PRA group sold to these in 2015 and the loan is now with Cabot.

 

Cabot is off credit file and PRA group shows are arrangement to pay as Barclays didn't default me early on like abbey

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Hi Claire and Welcome to CAG

 

Responding to your PM.

 

Yes you send a CCA request (section 77 for loans) to CABot and PRA.

 

Regards

 

Andy

We could do with some help from you.

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Ok I've been reading on here that's what to do when sold to dca.

 

 

Was slightly unsure as to what to do and what outcome as I do owe the money.

 

 

Shall I continue to pay as PRA have only been on my credit report for a year

and now it stands at 927 I wouldn't want to jeopardise that

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As you have been paying anyway there is nothing to be achieved by withholding payment apart from annoy the DCA...if they fail to comply with your requests you can reduce any payment to the bear affordable minimum.

We could do with some help from you.

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And if they can't produce anything? Does that mean I don't have to pay them anymore?

 

That's a decision for you Claire..(its not enforceable in court until they do) but we cannot advocate debt avoidance on CAG

We could do with some help from you.

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The reason I ask that as I'm considering asking for a full and final settlement figure on the 2 and would pay the lowest one first.

 

They will still remain on your CRAs paid or unpaid for a period of 6 years.

We could do with some help from you.

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cabot wont hold the correct paperwork, so you can safely put that one to sleep. make sure you CCA all your creditors though. Just to make sure.

 

If they were sure they had a valid debt, theyd just take you to court and get money. Right now, youre a prime cash cow.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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p'haps you need to complain to Barclaycard about the AP markers

if there is no default - that's unfair

we've had good success with BC and these dreaded AP markers that never go away

and will kill credit for years even after the debt is paid off.

 

have a search for AP markers, using our search CAG in the top red toolbox.

 

have you also thought about getting all the statements for both

via an SAR?

as you could well have penalty charges on both that could reduce the balance?

 

the sar goes to the original creditors

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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Barclaycard/ pra is the biggest one its stands at 4500.

Pra group is showing in debt management plan not arrangement to pay.

Just checked

 

Cabot is around 2000

 

I've already spoke to barclaycard regarding the matter of not marking default

as if they had added the default not 6 payments late for over 5 years

it would be dated with pra too

it's not they have told me to call back in 14 days.

Twice.

 

My score on experian is standing at 927 out of 999 at the moment it was horrific!!

Edited by Claire1979!!
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Just been on the phone to barclaycard again about no default.

They have agreed to totally remove entires from credit file

as yes they should have defaulted it in June 2010 a

nd are going to tell PRA group to do the same.

 

 

They've also paid me £100 for the inconvience of all the phonecalls

and lack of action on their behalf.

 

 

I'll be posting CCA to PRA group later too.

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Excellent Claire...result on that one.:wink:

 

Andy

We could do with some help from you.

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Well you can decide what you wish to do if they fail to comply...refer to post#6

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Once they are in default of your cca request... the option of paying or other is up to you.

 

Since the debt won't be legally enforceable until they provide a compliant copy.... I'll let you do the rest

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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doubt it.

 

they cant goto court without an enforceable agreement.

 

if or if not that exists we don't know yet.

 

nothing to stop you dropping the payment right down to almost nothing

 

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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Ok I'm more worried if they could take me to court. Before I could go back on a payment plan

 

They let you go ona payment plan because they very likely dont have the correct paperwork to enforce it, so theyre bluffing you.

 

As for court.... if they dont have a compliant agreement, they cant do court. If they try and you havent recieved the paperwork, you can use a holding defence.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 4 weeks later...

Update

 

PRA group have stopped collection activities

but have sent me the last few copy's of statements from Barclays late in 2010

when I say staments it's just printed off amounts.

They didn't aquire debt until sept 2015

And there is no PRA group showing on experian since last week.

It was showing arrangement to pay since sept 2015

 

Cabot have said they can take up to 40 days to get information required

Cabot have taken this months payment out of bank.

 

I have also sent CCA to Tesco today

as they didn't sell my debt on

but this debt hasn't shown on credit report

since it went in to dmp in Dec 2010.

Edited by Claire1979!!
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once the 12+2 working days has passed

pers i'd be cancelling any payments they have access too across the board.

 

 

you can always restart them yourself

ideally

if a debt is owned by a DCA

you should never ever set up a DD to them.

 

 

standing order only!

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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Share on other sites

  • 4 weeks later...

As they say std annual statement they must send

Safe to 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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