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PRA PAP letter - LLoyds Credit CArd

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Hi, 
firstly Thankyou for letting me post here wondered if anybody could help with a letter before action please ? Time line as follows  

6 Mar 17 -received letter from PRA stating they had purchased debt From lloyds - wasn’t sure this was legit as part on Lloyd’s paper part PRA but didn’t look like like the real Lloyd’s header paper

28 Mar 17 - Recieved another letter From PRA advising their letter of assignment was printed as single documents and should have been sent as separate documents and whilst they were correct they were now sending as separate documents ? 

April 2017 - received Letter before claim from PRA chasing a LLoyds Credit card debt taken out in 2006 

1 st May 17 - with help of the site i sent a Req Under sec 78 of the cca requesting documents 

08 May 17 received letter confirming documents I wanted had been requested . Nothing for 1 year 

Aug 18 - Pages came with copies of Credit card Transaction 

15 Jan 19 - received a letter saying in response to the CCA request stating “ this was the documentation received to date - and they had now enclosed 1 page which was I think the Credit card Agreement with 9 key financial facts on it and 2 signatures. ( which are my name both look different ) I cannot recall whether I applied for this online or signed this paperwork they have sent. 
In this letter they say “ they are awaiting further documents in order to complete my request and have currently deemed this debt as unenforceable. 

26 April - received again today letter before claim with the standard forms and income expenditure etc 

i am confused as I have had no documents since the letter on 15Jan so I don’t know whether they have made a mistake and don’t need to send anything further but didn’t realise, or whether I am still without documents. Not sure if the one page of 9 points entitled “ key financial information “ is the terms and conditions ? 

Any help or advice would be greatly appreciated, I am trying to see how I can upload the letters 

thankyou x

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when did you last pay this and to whom?

dx


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

 

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Hi Thankyou for your reply 

2014 and to Lloyd’s. So not SB 

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disregard any statements for now

can you scan up to ONE multipage PDF whatever other paperwork they have sent in relation to your CCA request .

and what date did you make that CCA request please

 

read upload

 


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

 

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Thanks for your reply.

Aside from the statements this is all I have had.

If they have sent anything further I haven’t received it.

 

Hence the confusion of them telling me it was unenforceable but now I have the letter before claim. 

convert-jpg-to-pdf.net_2019-05-07_01-46-51.pdfconvert-jpg-to-pdf.net_2019-05-07_01-46-51.convert-jpg-to-pdf.net_2019-05-07_01-46-51.pdfpdf

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And sorry CCA request was 01 May 2017 

thia document came in Jan 2019

thankyou again x 

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is that the only thing they sent bar statements?

 


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

 

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Yes and a covering letter saying they were still awaiting further documents in order to complete my request. We currently deem this debt as unenforceable . If we obtain information in the further we will of course provide this to you immediately . 

That was 15/01/19 , so either they have sent something else in between then and April and I haven’t received it or they are taking action based on that document ? 

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thanks all clear now

you MUST respond to the PAP letter of claim 

 

see post 2 here.

 

the reason there is good enough for your case

 


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

 

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thanks so much for your help and advice it is much appreciated.

1) so I respond to the PAP but using  the form on the thread above Not the one they have sent me ? Is that correct ? 

 

2) I tick the box that says I dispute the debt ? Based on the grounds I do not currently have all the paperwork ? 

 

3) so I ask for all the paperwork listed or just the Credit agreement ? 

 

4) I return the above just to PRA ? - as there is no solicitor mentioned. Do I do another CCA request or just say I don’t have all the documents requested from the original ? 

 

Thanks so so much sorry ! 

 

 

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

 

box I tick

I have requested by way of a  cca request the signed agreement from the debt purchaser [attached to this reply form+Fee]

 

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor  DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

no need to do the financial statement etc anything else or send anything else bar the above

do NOT give them your phone nor email

PRINT your name

never sign the form

 

staple the £1CCA PO to the CCA request and send it to the debt purchaser 

return the completed  PAP form below to the solicitors that sent it to you

attain free proof of posting for BOTH at any PO counter 

1st class mail will do. recorded is a waste of money

 

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just follow the guide 

no need for these questions

 


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

 

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ok Thankyou apologies for the questions I suffer from Temporal Lobe Epilepsy I find it hard sometimes to follow/understand the threads.

thanks again 

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Hi

thankyou for previous help. I have received a Repsonse from PRA the Credit Agreement they have sent is one page only and this page says 

“ here are some terms and conditions”

these aren’t in order also.

 

i sent a SAR to LLOyds who show in their log a couple of weeks ago that “ PRA have enquired “‘are these all the terms and conditions you have ?” To which Lloyd’s have replied yes. 

 

So my question is if LLOyds don’t have the original full terms and conditions

can PRA reconstitute these with some from around the same time and put this together to take it forward ? 

 

Thankyou for your help x 

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for a 2006 agreement [pre APR 2007 changes..]

they will need the signed agreement

you did sign one?

 

dx

 


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

 

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THey have sent me a 1 page agreement with my signature ( as per pic in earlier post) it’s only one page states it’s only some of the terms and they don’t follow on so eg it’s term 1 then term 7 then speaks of see term x - which isn’t on there .

tgankyou for your help

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I seem to remember they fail on 8.2 quite regularly??


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

 

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Yes there’s is no term number 9 that it references to or any other 17 etc it mentions earlier.

can they find these terms from other agreements from around the same time and use them as my terms and condition to enforce this ? As Lloyd’s have advised them they only have this page. 

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pers id let this run.

 

dx

 


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

 

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Thankyou they’ve sent me a

letter saying currently it’s “ Redeemably unenforceable” but that they will start collection activity again in next 30 days.

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Think it should state Irredeemably Unenforceable ? 


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Thankyou I’m not sure why it says that. Unsure if that means they can try to come up with the terms from that time and add them in to enforcement it. Thankyou all for all your help and assistance it is very much appreciated 

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