Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi.   Could you let us have the information requested in the forum sticky please? This will help us to advise you. In the meantime don't worry too much about this.     HB  
    • So last August my girlfriend went to Legoland with the kids (4 & 8) and her mum and then went to Pizza Express in Windsor. They parked at Castle Car Park.    They paid to park and went to eat. They were then a few minutes late back. There was already an attendant issuing a ticket. The attendant then waited until my girlfriend was over ten minutes late to issue the ticket despite her being there well within any grace period.   My girlfriend appealed to Ultimate Customer Solutions end of August but did not receive a response (they later said they emailed a rejection which my girlfriend never received until it was resent). Then in August she received the first debt collection letter. Then my girlfriend was advised to respond to UCS requesting an Subject Access Request (SAR) which they have not ever acknowledged or responded to.    So then we thought they had gone away until we received a letter from CSB solicitors (same address as UCS) advising they would be beginning court proceedings against my girlfriend. I told my girlfriend to complain that they haven't responded to any of our requests so she called the number of UCS and was basically accused of being rude to the t*** at the end of the phone. She wasn't but he wasn't very helpful and said they had responded to the appeal and sent it again. This was on the 16th January 2020.    On the 29th Jan this was sent after another chase to the solicitors:   I have reported UK Parkings ltd to the ICO as they are in beach of GDPR having ignored my SAR request. Further to this I was not notified that my initial appeal had been rejected and therefore cannot further appeal in a standard way and therefore I am awaiting further advice for ways to appeal against this unfair PCN.   As it stands should you decide to further contact me in regards to this matter without good cause I shall be seeking legal advice as per my statutory rights.   My girlfriend then received another letter from UCS threatening debt collectors (I told her not to worry about this) and so she wrote to the solicitors asking for an update:   Email dated 21/02/2020 I am writing to you regarding my email sent on 29th January, below. I still have not received a response from you and I left a voicemail for a solicitor to call me from CSB Solicitors, which I have also not received. I would like to speak to a solicitor regarding this PCN.   The solicitor responded via email the following: Dear Madam,   Thank you for your email.   Following your email below, we reverted this matter back to our Client for their instructions. We will only be able to respond more fully once these are received.   At this stage we have no further instructions other than to send out a letter to you dated 16 January 2020.   We hope to be able to respond more fully once these are received.   Yours faithfully,   Solicitor   So UCS are not actually doing anything they should do but nobody we have complained to has actually come back to us so not sure where to take this because I don't have time for court and I would rather just have someone take the (insert appropriate word here) to task on these unbelievably poor practices!   Any advice on next steps?   Thanks    
    • Hi Sneezer and thanks for your Site Donation which is much needed and much appreciated.   The info from the "Solicitor" makes sense if you were complaining about how CRS came to have your contact details. However, this is not relevant to your case. You didn't cancel properly and carried on paying for a gym you didn't use.   For the future, see the Guide here about how to cancel a contract properly and avoid trouble - https://www.consumeractiongroup.co.uk/topic/383678-cancelling-your-gym-agreement-get-it-right/     Come back anytime to update us but don't worry about CRS or anyone else who makes demands. Let us know if you need more for advice and reassurance.    
    • They were communicating with lawyers associated to me too   They can’t serve a SD on your lawyers, only you.   As I said earlier - the lawyer stopped communicating  around the date on the SD they incorrectly served.  And the bank told me the receiver was now handling things and not to deal with them anymore.   The receiver never asked me where I was.  But he did email and I did reply or he did get auto reply.   Since I did have email communication with them - I don't think they could say they did everything possible to find me,  All they had to do was ask!  And then we could have discussed the situation.    It almost is the reverse - they did nothing to try find me.  And if a PI is employed to do surveillance then he must have realised only one person - the wrong one - lived at the  wrong address.   Does anyone have any info re post #26 and #28 above?   The property is being marketed for sale and the receiver is negotiating offers, so there was no reason for me to expect bank/ lawyers to be trying to locate me to serve any papers.      Surely any loss to them has to be proven upon an agreed sale.  It hasn't sold yet,   They may still get a high enough offer to prevent any large debt?  There could then be a different discussion re terms of repayment?   So I was not expecting anyone to be trying to find me!   But this is a bit of a digression from what  should I be doing NOW? Should I send them an SAR?  If they do intend to serve me correctly this would be useful, yes?   I am sure they have added all sorts of unnecessary costs to the debt that could be challenged?   Also there is a question over if they even had a valid notice of assignment?  They would have to produce that in the SAR wouldn't they?   This was a real query for me ages ago but it never got pursued legally.
    • Expect them to bring up every communication and claim that you’ve been dodging them / not providing them with an address to serve to.......
  • Our picks

writing2rightoff

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

style="text-align:center;"> Please note that this topic has not had any new posts for the last 456 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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

Share this post


Link to post
Share on other sites

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


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

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'

Share this post


Link to post
Share on other sites

should be a defaulted date in the debt summary

ignore the calendar markers.


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
should be a defaulted date in the debt summary

ignore the calendar markers.

 

 

Yes there is a date defaulted date from 2013

Share this post


Link to post
Share on other sites

another IRL claim me thinks?


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

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?

Share this post


Link to post
Share on other sites

id be getting all the details first

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

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...


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites

PDE are the OC - PRAC bought the debt BW Do their Dirty work on their behalf...

PDE are part of Instant Cash loans... But you would have known this already if you saw the example that i put in the guide ^__^


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites

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 don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
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...


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites
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...

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

What was the debt

Did you use their ref number?


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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


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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...