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    • right so you being abroad or informing SLC you were Abroad as the last address plays no part in this at all, thread title updated. total red herring.   your case is the same as numerous ones here already which you need to READ  type in erudio backdoor CCJ in our enhanced google searchbox. get reading a good few of the threads that search points you too.   your mistake is you returned to the uk, you failed to update your debt owners of a change of address as legally you are obliged too, and you got a backdoor CCJ.    your issue now again is the same as most of the threads you'll read, your SLC loans were last deferred to SLC before the gov't sold them to erudio in 2013. that means that the court claimform was issued more than 6yrs after your last written acknowledgement of the debt and thus was already statute barred.   can't see any point in an SAR to anyone.   just ring northants bulk and quoting the CCJ number from your credit file ask for a copy of the particulars of claim ANd the judgement CCJ by email pdf   dx  
    • and neither can drydens hence their twaddle.  and you need to remember that places like cab and ndl etc are funded by the banks and the DCA's in commission payments for signing people up to dmp's without ever questioning the debts enforceability under the cca 1974.   your n244 already has the background..   The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.        
    • there is alot of twaddle in that template appeal letter that originates in paragraphs of various letters found on many alternate websites heavily into common law,  FmOtL and sovereign state stuff. i suspect that, luckily, any successes to date came about because of the other correct arguements it has merged into it.   the classic signs of their incorrect arguments always revolve around:   intimating that speculative invoices are somehow a PENALTY Charge, thus anything the PPC does wrong will suddenly become a serious ILLEGAL Criminal matter in a magistrates court, a bigger stick to hit them with.   Sadly PPC's and any kind of compliance issues under UTCCR and CRA 2015 consumer codes are only unlawful, a Civil matter in the county court and the authorities that would be involved in such compliance issues, the FCA, the FOS and the ICO have never got involved in any private parking matters to date. There is also no evidence of any code non compliance ever being legally tested nor playing any part in any of the county court PPC success cases to date. their need for code compliance is a total red herring.   the other classic give away is the same spelling mistakes in all versions - like weather not whether.   can you post up the answers to our template questions as text here not a docx ...thankyou.
    • Hi   This also bring into question exactly what Risk Assessment was carried out by your Employer before and during these works for the Employees working in that environment during these ongoing works.   If they ever did try the disciplinary route due to your asthma attacks the one thing I would be asking for is that Risk Assessment that was carried out before and during the refurbishment works
    • Hi   The Housing Ombudsman suggesting that you start at Stage 1 process again with A2 is shocking and if this is suggested again you ask to speak to another person on this matter that is senior as A2 have Breached their own complaints procedure by failing to acknowledge your letter/emails which you have evidence they received to escalate this matter for some not day/weeks but months which in turn they have also Breached their Customer Care Policy/Charter.   Do Not accept the Housing Ombudsman trying to get you to start the complaint process from the start again with A2 as it is A2 that has Breached it not you and you last letter/email to A2 was giving them the option to either escalate your complaint to Stage 3 or issue you with a Letter of Deadlock so you can go to the Housing Ombudsman but yet again A2 failed to acknowledge.   Remember the above as it is short and straight to the point.   Also do a wee bullet point list with dates of what has happened              
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PRA PAP Letter received - old Barclaycard Debt


VitSea
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Hello

I received a PAP letter from PRA Grp today in relation to a Barclaycard debt that was defaulted in 2015. There was no reply form enclosed.

I have previously requested 77-79 information from them.

 

The last letter I have had from them, apart from account summaries, was in 2017 and stated 'we are awaiting further documents in order to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court action against you.'

 

Any advice on what I should do/reply would be appreciated.

Thanks

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  • dx100uk changed the title to PRA PAP Letter received - old Barclaycard Debt

follow post 2 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have you moved since taking this card out?

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cant hurt to send it

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, submit another CCA request. Unless they have now dug up the CCA, the debt is still unenforceable.

 

Also, you don't need to bother with the reply form, just the CCA request. Be careful not to admit to ever having owed the debt, depending on how the form is worded, you may inadvertently do so. It makes no difference to enforceability if the CCA can't be produced, but can reset the statute barring period providing more time for PRA to obtain the CCA agreement.

Edited by Will Goodfellow
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Thanks, I've looked back through my files and it looks like they actually did supply with a copy of the agreement a few years ago. I also have a letter of assignment and a default notice from the bank. I'm not sure which documents they are referring to have not supplied to make the debt unenforceable. Also unsure why they've sat on it for two years. 

 

Edit - Actually, looked again and it just seems to be the T&Cs of the agreement.

Edited by VitSea
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follow post 2 of that thread.

 

use the attachment there.

 

send a new cca too

 

dx

  • Like 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I'm a bit worried I may have missed some letters. I know they were still sending letters to my former address despite me notifying them of a change of address. Today's letter says' if we do not hear from you within the next 30 days, your account may be submitted to the CC to obtain a CCJ'

I will follow post 2 and also send a new cca.

Thanks for the input.

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:rockon:

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Reply from PRA (letter):

 

It has come to our attention that we have recently sent you a letter in error. We sincerely apologise for this mistake.
Due to a system error, a letter regarding legal activity was sent to you by mistake. I can assure you all steps have been taken to resolve this error and no legal action will be taken on your account at this time......

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i want compensation for the distress this has caused me.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes we've seen it before.

 

they think they've gotten away with it otherwise

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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oh well

until/unless they comply to the CCA request

cant see this going anywhere.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

PRA have now sent me pages of statements, default notice, letter of assignment, an agreement which doesn't contain my signature) and informed me that this debt is now enforceable. They have also sent me a financial questionnaire and asked me to complete it and send it back. Do I need to do this?

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Scan redact and upload what they have sent for opinion.Do not complete any financial questionnaire.

 

Andy

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  • dx100uk changed the title to PRA Barclaycard debt now gone from credit file - is it statute barred - should I contact them?
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