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    • Hi   With a SAR all you have to do is ask for 'ALL DATA' (this way it does not matter what format they hold that data whether it be digital, email, telephone calls (recorded), written etc).   They then have 30 Days to comply once they have acknowledged your SAR Request (that is unless they require ID Verification) which the 30 Days time limit does not start until they have verified your ID if requested)   Also can I add in DHL response in post#36 I hate it when any Company/Business etc. has the nerve to use the get out clause of 'Human Error'.    This is not the case as it was 'Maladministration' by DHL' not 'Human Error' as stated to you, irrespective of who/which employee of DHL made the 'Human Error' the buck stops with DHL as who/which employee made that error was Employed by DHL.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following:     1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx          
    • I passed on the article and link to friend. Between us we will now try get the required info to the correct location so that they (whoever in the Govt) can sort out what he is owed. I will keep you updated.  This thread may help others in similar situations. Ethel Street - very helpful research.  Thank you.  Seems like you came up trumps!
    • numerous erudio/drydens claimform threads here already - use our search top right.   your appears to be statute barred as you've never heard of erudio so would not have deferred since your last direct deferment to SLC in 2013    if you wish to bother to even send CCA/CPR that's upto you but the bottom line is to erudio you've ignored everything to date yoy might also ignore a claimform.   but ofcourse you are not!!   if the above is true   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked   goto the defence filing section  file the following: 1 The Claimant's claim was issued on (insert date).  2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.  . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. .  3 The Claimant's claim to be entitled to payment of £[insert figure from their POC]  or any other sum, or relief of any kind is denied. .. ..ends..   dx      
    • Well I would want my £50 back also but hey ho if your satisfied its been resolved.....there was no way you could ever be liable anyway as your contract was with TC not RC.   Thread title updated.   Andy
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Maddog4780

PRA Group debt from 2002

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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

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so they are offering a 90% discount and you don't think this is a bit suss?

 

 

ignore!!

 

 

a DCA is NOT A BAILIFF

 

 

end of!!

 

 

dx


..

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Ofcourse I think it's suss, otherwise I wouldn't have posted on here. Sorry I bothered now. And I'm familiar with the difference between a DCA and "A BAILFF"

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Dear MAddog - DX wasnt being as you say, he was just making sure you were aware that the letter seems a bit suspect :)

Id say ignore for now. 90% is a large discount and providing its 6 years after the default, you wouldnt see it on your CRA :)


 

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thwey have sent one of these to every G Jones in your county and hope someone responds. They dont care who it is, they will hassle the first one to bite.

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