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Gator

Halifax/Lloyds now PRA Group CCA request progress

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Originally this debt of mine was in the Debt management and Debt self-help forum section

(Best actions on old debts - help please)

But I have now opened a new thread in this group (HBOS) as requested.

 

I have several debts and these can be seen for further reference in the aforementioned forum

 

As background I have been with CCCS/Step Change on a DMP since 2006

But now as a pensioner at the age of 71, I need  to find the best way to proceed, to clear all these debts finally, up until now have being paying back £5 per month on each of my 7 debts via Step Change

 

But have now cancelled my long standing arrangement with Step Change at the end of last month (May ’19) to move things on and stop the cash cowing from the various DA’s, who now own the debts

 

Am now hoping I can be helped by the forum with some good advice on how to eventually resolve my long term debts in the best possible way?

 

Details of debt follow:


Halifax/Lloyds now with PRA CCA

(C/Card) £2860

Date of default 29/07/2008

CCA sent to PRA Group on 10/5/19

 

Update

PRA sent an acknowledgement letter and advised account on hold dated 14/05/19 + the £1 PO was returned

On the 28/5/19 PRA sent a photocopy of the original signed agreement and appears reconstructed documents of the credit card terms and conditions etc

And asking me to please contact their office within 10 days of receipt of this letter and agents will discuss account and  help come to a mutually acceptable agreement  for settling outstanding balance

A further letter from PRA arrived later and not dated, saying the account was on hold and that they would be in contact to provide an update

Note: The last 2 letters sent both have my new address details incorrect, even though I had given them my new address details when I requested the CCA.

They have my road name wrong and also my town name is spelt incorrectly?

And it’s only down it seems to a good postman that I have received both of them, as the postcode and my name is at least correct!….

Question) 

Should I advise (via post) PRA of their address details mistake?
Have attached the PRA Group documents sent from CCA request 

 

All help appreciated

Gator

PRA_response_docs_from__CCA__request.pdf

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I think that site team member @dx100uk was dealing with this in your previous thread. I'm sure he will be around soon to give you the very best hope that you can get on this issue


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Hi 

 

thanks for your quick reply and yes dx100uk was helping with advice

 

Hopefully more help will be given as mentioned

 

Best regards

 

Gator

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I think thats enforceable

but let it run

cant see where they say its a recon??


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.

 

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Hi 

 

thanks for your quick reply and yes dx100uk was helping with advice

 

Hopefully more help will be given as mentioned

 

Best regards

 

Gator

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Hi 

 

Thanks! dx100uk

The photo copy  signed proposal is original,  it was just the second 2  typed (parts pages 1-8 and pages 1-5 ) that "I" thought were reconstructed?

 

But will do as you advised and let it run for now!

 

regards

 

Gator

 

 

 

 

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