PRA PAPLOC Now Claimform - old Joint LLoyds OD account ***Claim Discontinued***

[benq]

So all I can do now is await their reply to my PAP reply right?

[dx100uk]

or not as the case maybe.

yours in not the next move.

 

dx

 

[benq]

Reply from PRA received today:

 

Thank you for your dispute which was received in our offices on 11 June 2019.

The purpose of this Response letter is to explain the results of my investigation into your dispute. I have made every effort to investigate your dispute thoroughly and fairly.

Your dispute

I understand form your Pre Action Protocol that you are disputing the account and have requested documents relating the account.

Response

When I received your response I contacted the original creditor, who were able to supply me with documents, I will list below the documents we received.
1. I was unable to receive a final demand , however I have included a screenshot provided by Lloyds as to when this was sent, the account was defaulted on 4 March 2016.

2. Notice of Assignment

3. Statements 9 February -1 March 2016.

4. Unable to obtain statement of all transactions.

5. No additional charges when purchased.

6. Interest and charges would have been in keeping with the agreement

7. Payment Transactions while in recoveries, this also covers payments made to PRA Group.

 

I confirm that the information provided fulfills your PAP request, as such the balance remains outstanding

 

Next steps

I will place the account on hold for 30 days , if we do not hear back from you within this timescale, we will proceed with legal action.

I trust that this now clarifies our position in relation to your dispute, however if we have misunderstood any element or you have new information that we should consider please contact our Disputes Team on 0800 877 2150 or [email protected] quoting the dispute reference number xxx
Yours sincerely,
xxx

Enclosed:

Application

Statements

Payments received

Screenshot containing details of final demand

Notice of Assignment

 

What next?

 

It almost looks like the envelope had been had delivered. The address didn't fit the window of the envelope, it looked like it had already been opened. And there was a post-it-note on it.

 

Along with that letter i got:

• A screenshot of something showing our names and where the account has come from
• Copies of letter from Lloyds and PRA advising us the debt has been transferred from Lloyds to PRA
• Bank Statements
• Copy of our application form
• List of £1 payments made

[dx100uk]

in other words they cant disprove what you complained about ..its all historic charges mate..

[benq]

I've got the statements in front of me and there's only £600 of charges. The account has only been open since 2012.

[dx100uk]

if you read back your thread

you stated it began in 1998.

just because your credit file or an sar only gives 6yrs of data that doesnt mean thats when it was opened.

[benq]

I did mention in post 46 that it was actually opened in 2012. I couldn't go back and edit my first post, as the forum only allows you to edit a post for about five minutes after you post it.

So what now, call and make a deal?

[AndyOrch]

Noooooo....dont be doing something silly like that on a overdraft...

 

Scan and redact and upload what they sent you..lets take a look.

 

Andy

[dx100uk]

so you have the 1st statement in the sar return which shows £0 balance or evidence of the opening date?

god no you don't restart payments yet if at all.

 

dx

[benq]

Thanks for getting back to me so quickly guys.

 

@dx100ukI've still got the £1 payment running.

@dx100ukI'n the SAR it shows what must be the first transaction in April 2012

@AndyorchWhat would you like me to upload?

 

[AndyOrch]

• A screenshot of something showing our names and where the account has come from
• Copies of letter from Lloyds and PRA advising us the debt has been transferred from Lloyds to PRA
• Bank Statements    (just a couple to see the letterheads and fonts)
• Copy of our application form
• List of £1 payments made

[benq]

redone, thanks

PDF3.pdf

[dx100uk]

so package account fees to reclaim too then.

why did you take that A/C out 

did you choose is because of the benefit of the insurance or 

were you told too?

 

dx

 

[benq]

Hi @dx100uk i cant recall why we took it out, its what the guys were pushing, as it came with insurances etc

[dx100uk]

the guys were pushing, as it came with insurances etc

 

mis-sold insurances then.

PAF reclaiming time!

[benq]

Totaled all charges and fees and its just over £1k

So do I now ask PRA to reduce by this amount?

[dx100uk]

 

[benq]

What do I do about PRA though? I've only got about ten days before they start legal action.

[dx100uk]

if they actually do.

 

dx

[benq]

So is there anything I can do, or has the time come to set up a repayment plan?

[dx100uk]

seems like you identified sev £100's you don't owe

get the reclaiming running on both fronts against Lloyds.

 

see what prac actually do.

[benq]

Hi @dx100uk,

with regards to the account fees, my reason doesn't seem to fall into the categories mentioned, what shall i put down?

 

With regards to the overdraft interest and useage fees, how do i go about claiming that back?

 

@dx100uk, @AndyorchSo the advice now, is to ignore PRA's threat of litigation, and see what they do?

 

Looking at PRA's response, they've failed to provide all requested information.

 

Does this actually mean they've failed in their duties?

[dx100uk]

you were told you had to have this account because you wanted XX OD ??

 

same as everyone else do a spreadsheet CISHEET 

 

quite probaly

[benq]

I've now received my 'Claim Form' from the 'County Court Business Centre'

What are next steps?

[dx100uk]

 

please complete the above