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PRA Group want to verify my identity after sb letter to them

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Hello

 

BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me.

 

I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017.

 

I have not paid any monies toward the debt which had a default registered from 2013 until January 2017.

There have been no default notices recorded after January 2017.

 

I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in December 2016 to Prac who use BWlegal.

 

I hope the above is not too confusing, I do want to resolve the issue but is bwlegal entitled to be asking for payments from me?

 

Look forward to your responses

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its what debt buyers do

try and fleece you

 

so PDE sold Prac the debt in jan 2017.

 

don't get what you mean by a satisfied default..

 

if a debt is sold by the original creditor

they will zero the balance and mark it in their books as satisfied

however the balance has been sold on to the debt buyer for 10p=£1

and they will chase you for the full amount owing

you're just lucky they haven't updated the credit files yet.

 

was this your only PDL?

was your credit file already shot at that period?

dx


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Yes.

 

On my noddle account it shows closed accounts and there is a monthly record of 'D' in a red circle and under the circle it shows 'DF', (Default , when you hover online on the D) . In January the message under D is DA which I am assuming means 'debt assigned'

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should be a defaulted date in the debt summary

ignore the calendar markers.


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should be a defaulted date in the debt summary

ignore the calendar markers.

 

 

Yes there is a date defaulted date from 2013

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another IRL claim me thinks?


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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thank you dx100

 

I have read the step by step guide.

 

I think I have to send a dsar to Payday express .

 

I can let bwlegal know this if they send a letter of claim.

 

I think my complaint to bwlegal /prac are the delays in letting me know who owns the debt .

That bwlegal/ prac have not recorded defaults on my credit file.

 

Could one of my arguments in a complaint be that I only pay the value that bwlegal /prac bought the debt for?

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id be getting all the details first

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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Debt is owned by PRAC - Being administered by BW Legal

And i wish you all the best to resolve this - Trust me BW legal are not easy to deal with...

 

 

Thank you, wasn't sure who the 'original creditor' meant and was thinking it was Payday Express because they are last ones to make a record on my credit file.

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original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

 

 

9/10 it use of letterheads only in the printer

oh and they cant default you

only the original creditor can

other than marking your calendar which is meaningless anyway

 

 

deal with the debt owner or the OC for the IRL complaint


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

 

 

Ohhhhhh BROTHAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA TESTIFYYYYYYYYYYYYYYYYYYYYYYYYYYYY!!!

 

And that I Can - Im dealing with them at the moment on a fraud case that is still ongoing and oh boy - They truly are Turd Emoji for brains....

 

I wont wrap you up in all the little intricacies but lets say one of their complaints managers who i will name only as "S" is truly a piece of art...

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original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

 

 

9/10 it use of letterheads only in the printer

oh and they cant default you

only the original creditor can

other than marking your calendar which is meaningless anyway

 

 

deal with the debt owner or the OC for the IRL complaint

 

Thank you, ok I send a dsar to PDE...

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Hi hope you can help

 

I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them?

 

They have replied with a letter dated 10 days after my sb letter to them as follows:

 

 

My current address

 

 

Dear xxxxx

 

Reference : xxxx

 

 

I write with regards to your recent correspondence regarding the above referenced account.

Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require is as

follows-

 

Full name

Date of birth

Previous address and postcode

 

You can contact us via letter or telephone our office on 0800 877 872 to complete the checks we are required to make, in line with the Data Protection Act 2018.

 

Upon confirmation of the above details , we will endeavour to respond to your request as soon as possible.

 

Yours sincerely

 

 

xxxxxx

 

Title of person who sent letter etc.'

 

 

The sb letter I sent to PRA group has been retuned together with the letter above in the same envelope.

 

PRA group called my mobile this morning but I ignored it and didn't answer because the number was unrecognisable at the time. I later googled it and found out that the number calling me was PRA group.

 

 

Look forward to your response and thanks in advance.

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Dont fall for it. They dont need you to pass any security checks. They just have to check the account to confirm it.

 

Remember, you havent requested anything. You have informed them of the status of the account.

  • Confused 1

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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What was the debt

Did you use their ref number?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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The debt is for a short term loan I took out about seven or eight years ago

 

I used PRA's reference number in the correpondences

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File the above and ignore them.....as stated above you haven't requested anything..... you have informed them of the status of the account.

 

 

Andy


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Continue to ignore them in the same manner:wink:


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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