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    • Hey everyone,    Back in 2015, I had issues with CrS/Harlands after cancelling my gym membership and my ex-partner’s membership. I made them the following offer (in writing) which they ignored: ‘ We now realise that we should have paid one further month's fee for the notice period and are willing to offer you £9.99 per person now (totaling £19.98). If you confirm in writing within 14 days that you'll accept £19.98 in full, you will be paid promptly. However, we will not pay any admin or cancellation fees as these are unlawful ’    They then passed my details to Zinc, who passed them back once I showed them the full version of the above letter ( this occurred on the 3rd November 2015).  I told them to only correspond with me via letter and got on with my life.    Fast fotward almost 4 years. I’ve moved adress and changed partner and I recieve this in my inbox with the subject: ‘ Please let us help you ( with my new address on it although I’ve not recieved a physical copy).    “ Your membership with Xercise4Less remains in arrears.  In a final attempt to resolve this matter we would like to offer you the opportunity to free yourself from this debt.   We will apply a discount to your balance as shown below. The earlier the payment the more of a saving you make.  AND the agreed amount can be spread over a 90-day period: 19th - 23rd August 2019  50% 27th -30th August 2019  40% 2nd - 6th September 2019  30% 9th - 13th September 2019  20%   OR If you are unable to settle the balance in one go with the above offer then we will help you pay off this account.  For example; for every £10.00 payment you pay we will apply a £2.00 reduction to your balance, for every £20.00 payment we will apply a £4.00 reduction and so on.”    What should I do? My inclination is that they would have started preceedings if they could however I have Generalised anxiety disorder and this has effected my mental health.    Many thanks for any help 
    • I am a University Student looking to rent accommodation along with three other Students We found a four bedroomed flat and called the Letting Agent to say we were very interested We had a viewing and raised some questions We wanted to check if there was a break clause in the Lease The Letting Agent said we would need to pay a Holding Deposit whilst he waited for the Landlady to return from Holiday So we paid £750 split between the four of us to the Letting Agent We then received an email to say the Holding Deposit was non refundable References were then checked and the tenancy Agreement arrived which needed to be signed by each guarantor and tenant and send back the full signed agreement At this point we got to see the Tenancy Agreement for the first time and the break clause of 6 months was nowhere to be seen so this made us very nervous and we decided to pull out as we felt we didn’t want the risk of not being allowed to leave the property until a full year was up We emailed the Letting Agent who replied with the following: The holding deposit is not refundable as you are withdrawing from this deal. I will need a confirmation from Everyone that they are withdrawing and we will put the property back on the market.   The move in date is on the 4th Sept and the landlady is left with a very short time to find another tenant.    This will incur a lot of extra cost from both us as an agency and the landlady which we will try to recover. So, my question is are we eligible to get a refund of our Holding Deposit – bearing in mind we were not told we wouldn’t get it back until after we had paid it?
    • As for the rest @BankFodder please wait for my bullet points account and further uploads (I'm in the process of converting a lot of my files and screenshots to more condensed pdf thanks to reading one of your posts how to do this for free...but, it's taking time as I also have artritis in practically every bone in my body, as well as fibromyalgia and chronic fatigue, which affects my hands, and I have a lot of redacting to do).   I appreciate your trying to get an angle on this and your keen to help me in the best you can but, if I keep getting sidetracked like this, it will be counterproductive and frustrating for both/all of us.   On my #13 I gave a link to your skeleton argument pdf because, I'd carefully researched the posts for days before joining (as well as looking at posts over the last 5 years), which btw needs a bit more redaction on p6 as it's showing [her] name. That could be my case to a 'T' except add in the years back to 2006/2007, particularly since I went on their computer system and was 'treated' to their 1st system migration, and all the others that have followed. Not sure about this person's status but, for me you can also add in the fact that they've: continually failed to put me on their PSR; lost my password more than once (the one call I managed to recall was December 2016 when he openely admitted he couldn't find a trace of my being on a password scheme and they now have two whenever the meter reader arrives...and yes, I've done an SAR to the distributor already because they've failed to keep them informed of my status, that's all in hand); continually ignored my medical status of being disabled and unable to read my own meter (I've repeatedly told them about this, btw) due to not only bone-on-bone arthritis in my right knee (diagnosed 2011) but also a crumbling spine (extensive arthrits) with a prolapsed disc and extensive nerve damage (eventually diagnosed 2014), which leaves me at risk of developing corda equina; continually ignored my vulnerability status; and excarrebated my MH/PTSD over the years with their continuing bullying and threats.        
    • Hi Everyone. With the deadline for claiming PPI coming up I thought I better make one last attempt. Couple of quick questions though.. 1. I tried claiming with RBS about 5 years ago and they rejected my claim. Is there any point trying again? 2. I was going to use a company as I'm getting bombarded with "last chance" emails, but I probably don't want to do that as I've always done my own thing. That said, if I make my "Find out if you had PPI" enquiry online, does that mean I'm in before the deadline, or do I actually have to make a complaint before the 29th Aug?   Many thanks for any advice/ help
    • Ok thank you for the good advice
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Steve.H

PRA claimform - old EGG now BC card debt ***Claim Discontinued***

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Name of the Claimant ? PRA Group

 

Date of issue 19/12/2018

 

What is the claim for –

 

1.The claimant claims the sum of £4793.79 for an outstanding debt owed.

 

2.On 20.01.2005 the defendant entered into a an agreement with Barclays Bank PLC for a credit card under reference …..

 

3.On the 06/05/2011 the defendant defaulted on the agreement with an outstanding balance of £5041.31.

 

4.On 17/08/2015 the debt of £5041.31 was assigned to PRA Group(UK) Ltd. Notices of assignment were sent to the defendant in accordance with S136 law of property act 1925.

Payments of £232.96 were received up to 20/03/20108 and adjustments have been applied in the sum of £14.56.

 

5.AND THE CLAIMANT CLAIMS

1. The sum of £4793.79

 

An Egg CC debt £4793.79 + court costs

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?Yes

 

What is the total value of the claim? £5058.79

 

what is the claim for: egg credit card

 

When did you enter into the original agreement before or after April 2007 ? 2005 should I request the CCA I believe they won't have a problem proofing I owe this debt?

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?No it came off about a year ago

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.Debt purchaser PRA

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes sure I did !

 

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure

 

Why did you cease payments? Had a brain injury

 

What was the date of your last payment?19/12/2018

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planlink3.gif? Yes

 

How shall I defend / respond to this

they seem to be using bully tactics and fishing for me to pay up the full amount which I don't have.

 

in March last year they sent me a full and final settlement letter asking for £1680.37

I counter offered £1200

they refused it and said they would only take £1945 which is bizarre.

 

PLEASE SEE ATTACHMENT,

I questioned this on another forum and was told the wording is not right and the balance should be zero.

 

If you have not already done so – send a CCA Requestlink3.gif to the claimant for a copy of your agreement

(except for Overdraft/ Mobile/Telephone accounts)

 

Will Do !

 

Particulars of Claim

An Egg CC debt £4793.79 + court costs I went into arrears in 2010 after a head injury and have been making monthly payments. Egg was bought by Barclaycard since then and then they assigned/sold the debt to the PRA group 17/08/2015.

 

I have been paying without missing a payment but have not done their constant requests for income and expenditure.

I got a letter November 13th say my account had been transferred to the investigations and litigation department which I ignored.

 

Thanks for your help I don't have long to respond to this claim :(

IMG_20190104_194517.jpg

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Request the CCA and CPR from the solicitors.

 

its unlikely theyll get a compliant egg agreement from that far back. Most simply dont exist. Plus the debts are chock full of charges.

 

First, go to mcol and acknowledge the claim, make sure contest jurisdiction is unchecked and click through to the end and exit mcol. This submits your acknowledgement and gives you more time for a defence.

 

The likely reason theyve gone to a claim is because youve blindly paid without question for all this time, and they have you marked as gullible. Put them to proof that they can indeed chase you for this.

  • 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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why have you come here SOOO!! late

I hope you have already acknowleged the claim [AOS] on MCOL website

else you might now be TOO LATE, and might already have LOST THE CASE.

you've lost 17 of your 33 days total to file a defence...

 

 

go it done NOW!!

 

pop up on the MCOL website detailed on the claimform.

.

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.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]


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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Thank you for the reply dx100uk,

 

I was away but I still have until Monday I think as its 5 days + 14 ??

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Get that ack done now. Then check to see if its been accepted.


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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I make it sunday but get it done NOW

get the CCA/CPR away to PRA group tomorrow by recorded.

they'll have a job in getting the signed agreement [unless it was online?]

and the EGG T&C they never get right either.

 

esp as they say its a Barclaycard in their poc!!

they mention nothing about EGG on the court N1 do they?

  • Confused 1

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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and dont tell them it was egg. If they try to come up with a barclaycard agreement, theyve already done the work for you and the claims sunk.


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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Kewl I have submitted my acknowledgement on MCOL and might even send the CCA special delivery as it will get their Monday guaranteed :)

 

Thank you my friend !!

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and the CPR in the same envelope

pra have inhouse solicitors so no sep address is listed on the N1 form?


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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Sorry what is a CPR do you have a template please?

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Also does PRA being assigned mean they own the debt I have read they are not a DCA but purchase the debt?!

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post 3

 

pra are debt buyers


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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Hi again,

 

I have sent the CCA and CPR via first class signed for which they should receive Monday, I have also acknowledged the claim(AOS) but this has not been approved yet I hope MCOL do this on Monday!

 

But what would my defense be to this claim if they produce the CCA that is?

 

That I was making regular payments under an old agreement and they should not have cancelled it ! Thanks in advance.

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Dont jump ahead of yourself just yet. They wont be able to produce the CCA. Why? Because they think its a barclaycard. It isnt. SO theyve already screwed themselves over with it. Of course you dont tell them that. Its also highly unlikely they will even fulfil the CCA request, so the claim will just get stayed.

 

Be aware they may send you letters of their own back saying they have requested judgement, even though the courts timeframe is still in effect. They do this so you dont fill in you side of the claim, and then they WILL go for judgement by default, leaving you with no avenue of counter.


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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need to get reading up steve

as far as I can see you've not read one other claimform thread in this forum.

 

although your defence is not due till day 33 [21st by 4pm]

no harm is finding out the stages of a claim and what to expect/do in the 'downtimes' between stages


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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"What was the date of your last payment?19/12/2018"

 

So, are you still making monthly payments on this debt?

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Yep I am atm I will have to see how it pans out and what they come back with !

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I am paying £7.28 a month atm.

 

I rang MCOL my AOS has been accepted and the CCA and CPR arrived today signed for ! I have until the 21st to defend the claim.

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I am paying £7.28 a month atm.

 

What's the history behind this arrangement? Had you agreed it with Barclaycard or PRA?

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Hi Shamrocker,

 

It was agreed by BC originally!

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Hi Everyone,

 

Due to a family issue I have not give a defense to this court action and its due tomorrow I requested CCA and PRA have sent a letter 16.01.18 saying they have requested the required information from Barclaycaed.

 

But what would be my defense be in this case, do I dispute the whole claim on the grounds that no CCA has been produced ?

 

Thank You in advance

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PRA also included a letter from Barclaycard posted to me in Sep 2015 which basically said that my account was closed with BC and transferred to PRA group with an outstanding balance.

 

So they have not produced the original CCA but I am unsure how to defend this.

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Adapt a similar defence to suit your particulars...plenty of none response to CCA requests in the following....

 

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-Legal-Successes

 

 

Andy


We could do with some help from you.

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

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Thanks Andy,

 

I have read a few threads on your link but I would like the wording for the defense and the ones I have looked at don't have the wording !

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