@barclaycard PRA and BC debt CCA return

[eskimo123]

Hi,

I am wondering if anyone can confirm whether the attached CCA request from Barclays is enforceable.

I took the card out in 2011 and along with an MBNA card i stopped payments in Feb 2018 with a balance of £9104 on the BC.

I contacted Step change and entered into a DMP paying £344pm to cover both cards.

In Aug i sent the CCA request to Barclays and they returned the document, i thought it was legit because it had my name and address on so filed it away and did not send one to MBNA.

A month after the CCA request i was informed that my debt had been sold on to PRA which i thought odd because i was almost paying the minimum amount.

I have been reducing the amount i pay through budget reviews and am down to £170pm between both cards.

new year and decided to get a grip,

i have requested a CCA from PRA and MBNA,

PRA have replied saying that they are trying to retrieve the documents, i am presuming that they will be the same as the ones that BC sent me and have put my account on hold.

if they supply the same docs is it enforceable and what info is missing from the document.

I have searched for what info should be provided but have drawn a blank.

Apologies for the first couple of pages not being in order.

Any help greatly appreciated.

 

PRA CCA return (base).pdf

[slick132]

Hi Eskimo and welcome to CAG

 

Use this thread to ONLY discuss the BC account and start a separate thread for the MBNA account - otherwise the a/c's and info about them can get confused.

 

Read other threads here to understand the difference between a/c's opened before and after 2007 - with regard to what needs to be supplied by the creditor to make the debt enforceable.

 

[dx100uk]

filing cabinet rubbish

no tickbox anywhere.

 

if pra have failed the 12+2 working day deadline ...you could stop payments.

[eskimo123]

Thanks for the replies slick and DX,

The 12+2 expires on the 1st feb,

Will update when i get a response.

[eskimo123]

the 12+2 is now up,

other than the initial letter from PRA on my CCA request saying they are looking for the info i have not heard anything more

 

i have cancelled the Direct Debit to Stepchange and informed them (SC).

 

Wait and see time now when PRA dont get their expected payment.

Edited January 31, 2019 by dx100uk
spacing

[dx100uk]

no cca = no pay

[eskimo123]

 

Quick update, to date PRA have not supplied a CCA,

spoke to Step Change to cancel payment,

they were not happy but have put the account on hold only because i cancelled the DD.

Surprised to hear from them that i said i would reinstate the DD to pay the other company on the agreement that they would hold the payment to PRA for 6 weeks then use the funds to pay the other company the extra money,

nice for MBNA but not happening,

will closer to the time cancel the DD again and probably pay my creditors myself.

[dx100uk]

should have dumped them a long time ago.

[eskimo123]

Hi DX,

They have been useful this last year whilst i got my head straight and kept things ticking over, i  am now much more knowledgeable thanks to this site and ready to take control.

[benq]

Stepchange advised me to set up a £1 payment to each of my creditors. This now means I'll never get the debts Statute Barred. Thanks Stepchange, real help.

[dx100uk]

dump them

 

dx

 

[eskimo123]

Update,

PRA have today sent through a  document from Barclaycard which is a CAS Mart application retrieval form,

has the application details on it,

very sparse and looks like it is an internal document.

 

PRA have indicated in their letter that at present the debt is unenforceable etc.

They state that if they receive anything further from BC they will provide it.

 

It has been 6 months now so fingers crossed they are struggling to obtain the CCA.

Cancelled Step Change in May saving the money now for worst case scenario.

[dx100uk]

good work

 

dx

 

[eskimo123]

Cheers DX,  generally is there a time frame when you can say that the DCA is not going to get the info it wants from the OC ?

[dx100uk]

sb clock is ticking..

 

dx

[eskimo123]

Thanks 

[eskimo123]

So,

yesterday received a letter from PRA enclosing two copy statements from 2018, in the letter they state that they have fulfilled my CCA request and that i should contact them within 10 days where they will be able to help me.

 

Wrote to them today thanking them for the documents but mentioned that the Credit Card Agreement had still not been supplied as requested and presume that they are in the process of doing that. Lets see what next week brings?

[dx100uk]

why?

stop entering into pointless letter tennis.!!

 

dx

 

[eskimo123]

Hi dx, thanks for your reply, think i may be more cautious than you and i like to have evidence that i have not ignored something.

 

I am aware of the wizard wheeze they are trying to pull by sending a few pages of official looking paperwork with the intention of trying to make me start payments again and the reason i post is so that other people may read it and realise the underhand stunts that a DCA will resort to .

 

Having said that they do not get another response from me until the provide the necessary, cheers dx

[dx100uk]

don't dangle carrots it simply encourages them.

 

[eskimo123]

Hi, it has been a while,

 

received an emal from PRA about 3 weeks ago,

dont know where they got my address from

 

stating that they had bought my debt from BC, bounced back and blocked.

 

last week received a letter from their litigation's dept saying the same and that i had 14 days to respond, have ignored,

 

as of today they have not supplied an agreement as per my request in Jan 2019 to which they seem ignorant of.

 

My concern is that next week i go on hols for nearly 3 weeks so may miss any response they may have, is it likely that they will issue a claim form so soon?

[dx100uk]

their litigation dept, [the next desk a bit further away from the bog]

would have to issue a letter of claim giving 30 days response time 1st.

 

get reading up!!

 

 

[slick132]

Still no credit agreement so go on hols and enjoy the break.

 

Deal with anything they send when you return.

[eskimo123]

As expected received a Pap today from PRA, response date is the 02/01/2020, i get back on the 20th Dec so will respond then.

[dx100uk]

as post 2 here

when you are ready