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PRA Letter of Claim - old Barclaycard debt


paulhn757

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Hi.

I've had a debt with barclaycard for a few years, the account was defaulted over a year ago and I have been paying them an agreed token monthly payment (£10).

They have written to me to say they have now transferred the debt to PRA group and I should continue to pay them.

It says any payment arrangement will stay in place for at least 6 months before they 'review' the account.

I was quite happy to carry on paying BC, with a view to eventually paying off the full balance (just under 7k) but selling it on has annoyed me and I hate paying these leeches who have probably paid less than 10 in the pound for the debt

.Is it worth sending them a CCA request straight away or leave it for a bit in the hope they will lose any paperwork in that time?

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yes CCA request.

lots of these been sold to PRA recently. quite a few threads

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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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  • 1 year later...

Hello

I had a debt with BC bought by PRA a couple of years ago.

I've been paying them absolute minimum for a while

after doing a load of reading on here I sent them a CCA request in December.

They replied with a copy of the t+c but no credit agreement and the letter said the debt is unenforceable.

I then received a few copies of statements from them a couple of weeks later and a cover letter asking me to contact them which I have ignored.

I'm now getting daily phone calls from them (blocked but going to voicemail) and a letter and email saying they have passed the account to their 'litigation team' for further action if I don't contact them by the end of the month.

Is this safe to continue ignoring due to the lack of a credit agreement or do I email them back reminding them that it is still unenforceable?

Thanks

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Ignore totally until you get a Letter of Claim.

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old and new threads merged.

if you'd CCa'd them almost 18mts ago when advised too, you would not have wasted all that money being a nice DCA cash cow.

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 to hear this paul  please accept our condolences. You can now get it back on track and sort it.

 

Andy

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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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 1 month later...
  • Thanks 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 OTHER

 

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Just to clarify then, should the reason I am disputing the debt be that they have not supplied all the relevant paperwork (CCA) and the debt is therefore unenforcable?

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Have you previously requested the agreement by a CCA request ?

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 OTHER

 

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Yes, a few months ago.

They wrote back saying there was no CCA and the debt was unenforceable.

I then started getting bombarded with threatening emails from their 'litigations team' which have been sent to spam.

I've now received the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforceable.

Thank you.

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Then yes . "The assignee is unable to comply with section 78 of the credit Consumer Act 1974 and is therefore prevented from enforcing the agreement until such time it can comply."

 

.

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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 OTHER

 

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hit letter of claim

follow post 2

despite repeated requests, the claimant has failed to produce any enforceable paperwork.

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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 have received a pack from them containing a reconstituted credit agreement, no names, signatures etc just a photocopy of the wording. Some statements, the NOA, and the account T+Cs, and a budget calculator.

Their letter states

' I appreciate you have requested a default notice, I have reached out to Barclaycard to request this. However this is not required to fulfil your CCA request. Once a response has been received I will be in touch to advise.

I trust that these details satisfy your CCA request. We have now fulfilled our obligations under the CCA regulations'

It then goes on to say the account is on hold for 30 days and if they don't hear from me by 19th May it will reopen for further contact with various threats of court action etc.

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scan and redact all but the statements please and upload.

IF there's no names or signatures it's bogroll but best to confirm this.
 

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 OTHER

 

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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  • dx100uk changed the title to PRA Letter of Claim - old Barclaycard debt

thread title updated

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 responded to the letter of claim?

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 OTHER

 

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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you dont seem to have uploaded the cancellation box sheet nor anything with a tickbox/dates name typed in //ie your signup agreeing?

did they not supply those? 

ps ive redacted things too...you left your name on both docs..is the address correct for time of takeout for each set of T&C's/Agreement? (note they are diff updated T&C  periods) 

have a look at PRA barclaycard threads already here, you'll see that (base) agreement return already.... its identical.

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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