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    • Yes she went back to them and asked them to remove the cancellation however the girl on the phone went to ask someone and came back and said she couldn’t.   Thing is they then tried to charge her £1000 to reinsure, I contacted a broker and got it down to £760, she went back to them and they miraculously could do it for £690!!  It feels like they are using this to fleece her, her previous ins was £300.   I will get her to write a complaint to them...do you know if there’s an insurance ombudsman she could contact?    I just feel it would have been fair fair to suspend the ins pending the court outcome!    Thankyou.
    • Hi,    Yes my daughter drove through a red light.   Yes her DVLA was still registered to her previous address at Uni hence them not being able to contact her hence the MS90.   This is her 1st car and she simply didn’t think to re register her car to our address she genuinely forgot!  However we left our forwarding address with the letting agent but the house was subsequently sold and the new owner used a different letting agency so communication was lost.   The courts enlisted the bailiffs and when the current tenant found her via Facebook she was genuinely mortified as she had no idea that she had broken this light.   She immediately rang the bailiffs and court who advised her to make The Statuary Declaration, whilst waiting for that date to arrive she thought she better ring the insurance company to explain what was happening thinking they may have to suspend her policy however they cancelled it on the spot she asked them not to but they just went ahead charging her £50 to do so.   At court after she explained what had happened the court dropped the MS90, and reduced the points and fine to what it would have been originally.   Going back to the insurance company they said they couldn’t remove the cancelled policy and it would show on her record for life and tried to charge her £1000 to reinsure!!  Previously it had been £300 as she had built up 2 years no claims.   I contacted a broker who said he could insure her for £760, she went back to her original insurance company, Admiral who then said they could now do it for £690!!  How can they suddenly do that sounds unscrupulous to me and that they are using this cancellation to now fleece her!!   She is a medical student and needs the car to get to the different places she is working on placement but can’t afford to pay this extortionate amount of money.  I would expect her policy to go up a bit but would say max £500 is proportionate?    I will I’ll get her to contact them Regards making a complaint in writing as you have suggested.   Thank you.    
    • I’m not sure who you mean by the OD and do you want me to see if the PDL is enforceable or not pay it at all?   And what should I do about the NatWest? Surly there’s a case getting it wiped if the charges came from them charging me for a PBA that I had told them to close and they said they had. Also am I paying the credit cards back in full or trying to get a reduced settlement?   Thanks Andrew 
    • Initial payments have already come in - we wouldn't have started otherwise. There's about £3,500 outstanding. The £800 was verbally agreed initially, but later correspondence from the customer shows that he's accepted the £800 for the extra work.
    • Each should send a cpr 31:14? Cant produce signed documents = no liability??
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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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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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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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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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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.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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

spreadsheets 

 

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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

spreadsheets 

 

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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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