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    • Hi All,   I would really appreciate any help in this. I want to stop paying this and am wondering if I need to offer F&F or if I am good just stop paying. A few details first:   1.DMP with StepChange started circa 2010 2.Have been paying every month since 3.Want to stop paying/clear as want a new mortgage in the next 9 months or so 4. None are currently showing on my credit file   And the finer detail:     * = these were on my credit file until recently. I complained stating that they should have been defaulted as it was unfair. They have stopped reporting now - but werent able to add a retrospective default date.   I havent made any enquiries about CCA's etc. I want to just stop paying but also cant have any of them appearing on my credit file as need another mortgage etc. I understand most will likely not have a CCA but there is one overdraft related entry so not sure what to do about that one. Also I think they could CCJ but can they start reporting again - I know the ones with a default date cant but can the others?   Hopefully thats enough info. Would really appreciate your excellent guidance   Many thanks    
    • This sites getting less and less accessible every week   Got my vaccination invite over weekend   despite living on the edge of a large town with a number of other large towns just a few miles away in various directions, and a 'university' city only 8 miles away, nearest center with any vaccines is about a 10 mile drive away in a small village. Interesting that the maps link showing you the locations for my nearest (sic) vaccination points are wrong - this is from the NHS vaccine booking site.   Once you have selected a location to see when vaccinations are available, it also wont let you go back to select another location, and if you just close the page down (without booking) and open the site again and put in your identification data, its gives you a 'you have failed to attend and will have to book both appointments again' message - despite not booking anything. - wonder if thats how they've counted 20 million vaccinations?   Checked with 3 local surgeries including my own asking why none of them are an option and two haven't had any vaccines for over a week and haven't even been able to book all their own vulnerable for a vaccine, other has vaccine but is only booking its own priority people   Makes me think the claim of 20 million vaccinated is complete and utter 'Johnson      
    • there is a difference.........   pass = IGNORE a DCA (we write on behalf of our client xxx bank etc)   SELL = the original creditors issues a default notice, then latterly sells it on..if that happens there must be something seriously WRONG with a debt of + £10K if they do...won't happen IMHO. (you will get a Notice of Assignment - stating xxx bank etc have now sold the debt to us)   TBH: the quicker you get the pro rata plan running, the quicker the OC's might issue default notices (but not sell) and the quicker those DN's reach their 6th Birthday..... when the whole debt vanishes from your credit file preventing you from moving forward again...doesn't mean the debt is not still owed, just that prospective creditors can't see the debt anymore.   ok it's a 6yrs plan as such, but if you were to be honest to yourself, things are not going improve any in the short term so it's better to take control of YOUR money now and plan well ahead rather than worrying forever.   dx          
    • Hey,   I was hoping for a bit of help with a really old Talk Talk debt and BW Legal.   The debt is from 2014. I'm not sure that it qualifies as statute barred? I haven't heard off them for years, but within the past 6 months or so, they've been sending me their standard debt collection letters and emails. I have just ignored them and I haven't formally acknowledged the debt. However, recently they've been threatening to issue court proceedings, so I thought I would like to try and get them sorted out.   Am I right in thinking that this type of debt it an unregulated debt? As in it wouldn't be covered by the Consumer Credit Act? If that is the case, is there any precedence for doing a SAR request to ask for a copy of an agreement to provide their services? I am assuming that they would rely on some sort of original agreement between myself and Talk Talk to provide services?   Would It be worth doing a DSAR instead?   I am familiar with doing SARs for consumer debt, like loans and cards, but I haven't done one for a utility debt. Would someone be able to point me in the right direction please?   Many thanks 😀
    • Particular Of claim   1. By an agreement between Lloyds Banking Group & the defendant on or around 13/05/2003 (“the agreement”) Lloyds Banking Group agreed to loan the defendant monies.   2. The defendant did not pay the instalments as they fell due. The agreement was terminated following service of a default notice.   3. The agreement was assigned to the claimant.   4. THE CLAIMANT THEREFORE CLAIMS: 1) £8704.42 2) COSTS     Defence   The Defendant contends that the particulars of claims are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any allegation to which a specific response has not been made.   1.The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) – failed to serve a letter of claim pre-claim pursuant to PAPDC changes of the 1st October 2017.It is admitted that the claimant has sent details of a current account with an unknown account number but has no connection to this this claim or alleged debt. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   2. Paragraph 1 is noted. I have in the past had financial dealings with Lloyds Banking Group. I do not recall the details of alleged debt the claimant refers to nor have they referred to any account number within its particulars. I have therefore sought clarity from the claimant and requested further in formation which at this time they failed to comply to my request.   3. Paragraph 2 is noted. However, as above the alleged debt is still unknown and further I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974.   4.Paragraph 3 is noted. As above as the debt is unknown its immaterial and I do not recall ever receiving this notice pursuant to sec136 of the Law of Property Act 1925.   5. On receipt of this claim I sent CPR 31.14 and section 77 request. The claimant has failed to comply with either requests and in particular my section 77 request and provide a valid copy of the agreement and therefore remains in default of my request and is prevented from enforcing the agreement they wish to rely on.   7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:-   a) show how the Defendant has entered into an agreement; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence service of a Default Notice/Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.               1. I have in the past had financial dealings with Lloyds Banking Group. I do not recall the precise details of the agreement and have sought clarity from the claimant.   2. However, I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974.
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PRA PAP Letter received - old Barclaycard Debt


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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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