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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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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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**Fko-Filee**

Receptaculum Ignis

 

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