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    • First of all welcome to the Forum. Do not worry about Drips+ -a dead sheep has more power so do not let them bother you and never contact them. It is a pity that you wrote to PE  which would be perfectly normal, except with crooks like PE  as you may have revealed you were the driver. You have lost the protection of POF A but it is not a fatal. Please do not even think of paying a penny. The amount may go higher in the short term but when the poor dears do not hear from you they get worried ( because they think to won't pay) do they start sending begging letters and reduce the amount owed.I One of the Site Team will be along shortly and give you a template to fill in which helps us to give you the best advice should they not give up. Just complete the form and post up photos of the signs at the entrance to the hotel and others around the car park and the terms on their ticket machine if there is one.
    • HI   You took possession of the Property in 2010 but when did you end the Tenancy Agreement?   Did you give them the required Notice to end your Tenancy?   You mention you paid a Deposit in 2010, was this returned when you ended the Tenancy?   You need to know exactly what they are claiming money owed is for and surprised that solicitors letter does not mention this.   Send the Landlord a Subject Access Request (SAR) asking for 'ALL DATA'  (ensure to send a copy to the Solicitor acting for them as well. 
    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
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benq

PRA PAPLOC Now Claimform - old Joint LLoyds OD account

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

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or not as the case maybe.

yours in not the next move.

 

dx

 

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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 disputes@pragroup.co.uk 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

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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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

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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.


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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?

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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


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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


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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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

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The CAG Interest Tutorial Read Here

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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?

 

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  • 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
  • Like 1

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

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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

 


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

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

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the guys were pushing, as it came with insurances etc

 

mis-sold insurances then.

PAF reclaiming time!


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

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

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

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if they actually do.

 

dx


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

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

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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.


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 @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?

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

 

same as everyone else do a spreadsheet CISHEET 

 

quite probaly


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

What are next steps?

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please complete the above


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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