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PRA and BC debt CCA return

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responded to PRA's PAP using this sites template and asked for everything as advised in the post , 

on the 3rd Jan they responded with account on hold until they could provide the documents requested.


Today i received a bundle from them, heart sank, enclosed are


copy statements from 2014 although the account was opened in 2011,


a copy of the Agreement which is the same as the document i posted in post 1


they say it is a reconstituted copy of a variable agreement,

i seem to recall Andy torch commenting that varied agreements cannot be used for enforcement and also an I&E form.


Missing documents, a Notice of Assignment and Default Notice.


The letter goes on to confirm that due to them being unable to provide the DN they cannot enforce the debt but are giving me 30 days to complete their I&E to make arrangements to pay or they will re-open the case and initiate contact again.


Filed and fingers crossed BC have shredded the DN. 


It did occur to me at the time that BC sold the debt on really quickly after i sent a CCA to them, within the month.



happy day today,

i did donate to you guys a couple of weeks ago will do the same in Feb in thanks for the available resources.


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if you want to scan the return up please do..to one multipage pdf only

read upload



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


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