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PRA group assigned Halifax credit card debt


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Letter dated 18/08/2018 telling me that Halifax credit card debt of £2K is now with them not heard anything since 

 

I also bank with Halifax but not had an issue is it worth considering moving to another bank?

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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  • 1 year later...

Received a letter today from halifax stating that bank of scotland plc has assigned all of its respective rights title and interest in respect of this account to PRA group. Debt £1959.95 halifax credit card. Should i send a CCA request or Sar to pra ?

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Not at this stage.  Wait for a DCA to contact you further.

 

Sometimes following sale of a debt, it can take awhile before the new owner makes any contact.  The new debt owner is only given fairly basic information by the original creditor Bank and may not have you recorded on their systems yet.

 

If you write to them now, they may think you are looking to settle the debt with them.  

We could do with some help from you.

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Thanks for the prompt reply, forgot to say included with the letter from halifax was a 2nd letter from PRA with contact details reference amount owed etc

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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How old is this debt ?

 

When was Halifax account originally taken out ?

 

Approximately when did you default ?

 

Why did you default ?

 

If in financial hardship, did you contact Halifax advising of this ?

 

Have you made any payments since default ?  If so, when did you last make a payment.

 

Cannot see the point in contacting PRA at this stage, unless you are looking to come to an arrangement to clear the debt.

 

 

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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Default of £1,959, recorded March 2018

 

Account opened June 2016 according to CRA's (checkmyfile)

Got into financial difficulties when defaulted and offered token payment.

Didn't contact halifax to advise of financial hardship apart from token payment offer.

No payments made since default.

 

Statute barred June 2022 ?

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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yea so just over 17mts to  go.

 

pers i'd wait for them to pull your chain.

 

the more you stall this the better.

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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sorry i'd put me socks back on .

it 's cold here...

wont hurt to SAR halifax ...missed that bit

 

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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How come 3 years ?

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Defaults show for 6 years (5 in Scotland)

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 The National Consumer Service

 

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

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