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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.

Edited by dx100uk
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If they have an account reference number that should be enough for them to do their checks. There have been changes in the law regarding data protection and requests so you dont ahve to supply all of this to get the information held so it sounds like a stalling tactic to me and they dont have it but want the extra time.

Consider a complaint to the FCA about this but let them know that you are doing so and give them one last chance to either supply toe required information or to cease trying to collect monies if they believe that she isnt the account holder.

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whats this for a old PDL loan they are chasing?


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Thank you. I'll look into making a complaint to the FCA.

 

 

Yes it was a PDL from 2013 as far as I can tell from her credit report. It's not quite SB yet though so I think this is their final attempt to collect.

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If it's a PDL it's also possible this is an old QuickQuid debt as Mackenzie Hall used to buy those before they became PRA Group.

 

But I'm with fkofilee and think this sounds like PRAC Financial + BW Legal.

 

Think we've seen a couple of those go to a Court Hearing and be Dismissed by DJ?

 

As this is a PDL then consider an Irresponsible Lending Complaint as well :)


This is how I spend most of my life :ranger:

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And you should do a IRL with haste too...

We have sources that tell me that either Quickquid and Co Or Money Shop / Instant Cash Loans and Co will be the next ones to be put into administration / struck off...

 

Issue with ICL is that they have stopped accepting new loans in some capacity in all their online sites etc

 

We have also heard QQ have money issues...

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