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    • Sorry but I have been out of the loop on this for a while. I'm trying to get back and I'm going to have a closer look later on today. However from what I understand so far – and from other cases which I have looked at on the Facebook page, it seems to me that your contract is with the insurer. They are responsible for everything. I would refuse to sign anything with kinderton at this point and if they want to reply then they have to be told that your contract is with the insurer and everything will be done through them – and that you have no legal relationship with kinderton and no legal obligation and no legal responsibility towards them, kinderton. This would be my starting point. By trying to get you to sign directly with them, they are trying to establish some legal/contractual responsibility/liability to you – and as far as I can see, there is no legal basis which entitles them to do this. If this is what they want you to do – then this is certainly what you should avoid doing. If it is good for them then you can be pretty certain that it is bad for you.
    • N120  https://assets.publishing.service.gov.uk/media/601bc2fee90e0712851bfd75/n120-eng.pdf
    • OH has received another call from Kindertons requesting a signature. He once again requested in writing that he was not liable for any costs as he has been told from the beginning. The woman insisted he would not. He asked her hypothetically what if Kindertons take the other party to court assuming they won't pay the hire charges, who would then be liable for the court fees and hire charges would it be him? The woman who apparently sounded like she was reading from a card replied not him. An email has now been received from Kindertons. I would be grateful for advice on this matter bearing in mind no forms have been signed. Good Morning Please keep this email as confirmation that no costs will be charged to yourself for the cost of the Hire. Whilst you are liable for the hire charges Kindertons indemnifies these losses. The third party insurer will pay the hire charges and if for any reason the charges are not paid Kindertons will not pursue you for payment of these charges. The only exception is if you knowingly and wilfully mislead us or actively fail to cooperate with our attempts to recover the hire charges from the third party insurer. If you would look to sign the outstanding Hire agreement it would be gratefully received. Many thanks
    • Yes Andy. It arrived last week but I was away for a few days. I moved house in the middle of last year as well so some post is redirected which can delay things by a couple of days. I have informed the courts of my new address
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PRA Group - Letter Of Claim - Halifax Loan £20k+


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Hello everyone,

 

I've been an avid reader of this forum for the past year and think after reading an abundance of information,  I'm finally at the stage to ask a few questions.

 

Thankyou in advance for any advise and support.

 

Just to summarise:

I defaulted on a Halifax unsecured loan in January 2019, never really heard anything until the last 6 months when started getting letters from PRA Group.

I just ignored them until they sent a letter of claim back in March, I promptly responded back with a CCA request and have today received their response.

They have provided a copy of the CCA agreement, but not of any of the statements or payments made, even though they state this in their letter.

If you could also look at page 11 "under next steps" I believe these are internal notes of the claim handler that he's accidently printed and posted to me,  as it doesn't make sense why this would be here.

Also page 12 and 13 were sent to me printed like that, ive tried to decipher what was written, I believe its just generic debt charity advise.

 

I'd like to know what my next move is now, do I just wait for an actual court summons or respond saying they haven't provided all the information requested?

 

Many thanks

Halifax loan - pra group 11_7_23edited-compressed.pdf

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the bank DD is NOT proof of you signing the agreement. cant see a sig, was this an online application?

why did you cease payment to halifax and did you contact them at the time of problems?

for a loan of that size at that date, it's very rare for an OC to sell it on...unless there is something wrong with it's enforceability....

 

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 would say IMHO that what you have there doesn't satisfy your CCA request, all you have there are the T&C's and not the actual agreement.

As DX says, where's the signatures or tick boxes if it was taken out online?

Is that definitely everything they sent you?

Go radio silence if it is.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hello Harold, Dx and Bazooka,

Thankyou for taking the time to post.

 

I believe the loan was taken out online via their app

I stopped paying the loan as my business wasn't making enough money to cover the repayments and my mortgage. Foolishly I buried my head in the sand and didn't make contact with them.

 

I have just double checked the uploaded document I attached on the first post. The signed agreement was on the back of a page so my scanner didn't pick it up. Please find it attached to this post.

halifax loan signed edited.pdf

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your sig does not blindly accept T&C's as being enforceable, else how were £100m's in bank charges and £B's in PPI ever reclaimed...?

its solely for the execution of the agreement under the Consumer Credit Act rules each of the parties must abide by.

@shakeyshark

that is a physical signature or your typed name?

 

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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  • dx100uk changed the title to PRA Group - Letter Of Claim - Halifax Loan £20k+

yours is not the next moved.

can you expand a bit about this and it being for your business?

were you a ltd co or sole trader? were halifax aware it was for business purposes?

im trying to workout why HBOS sold this on as its very large, they could have easily crushed you in court themselves rather than sell it on for 10p=£1.

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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I was employed when I initially took the loan, circa 6 months later I left my job and started a business venture. A few months into this is when the financial troubles started and I stopped paying the loan.

 

From what I can recall I would have stated to them the loan for was home improvements/car purchase neither of which is true.

 

Hope this helps.

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ok so forget any business links

std pers loan.

23 hours ago, dx100uk said:

yours is not the next moved.

im trying to workout why HBOS sols this on as its very large, they could have easily crushed you in court themselves rather than sell it on for 10p=£1.

dx

weird.

 

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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  • 3 weeks later...

Hello all,

 

Just to give an update, ive had a letter from PRA Group today, saying they are taking my account off hold.

I assume now is when they'll make their next move. The ball is in their court so to speak.

 

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*update*
 

Received a letter today from PRA Group, stating they are looking to start court proceedings in the next 15 days, as per their pre actual protocol.

 

I have attached the letter to this email. Any advise on what to do would be greatly appreciated.

 

Thank you in advance.

PRA.pdf

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On 13/07/2023 at 14:32, dx100uk said:

yours is not the next move

 

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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  • 5 months later...

Open.

We too hate it when people don't finish off the story!

Thanks for coming back.

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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Hello everyone,

 

Just wanted to post an update on my story.

 

So the 15 days PRA group gave me to settle have long been and gone and still as of yet no court action has been started. It will be 6 years since default in January 2025, so I'm still keeping my fingers and toes crossed I can get there!

 

Just a question, do they have to start the court proceedings before 6 years of default, or does the case need to get to court in front of a judge before that time.

 

For instance if they issued proceeds in a few months time but I kept stalling them till after January would it then be unenforceable?

 

Thankyou in advance for any advice or guidance :)

 

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3 minutes ago, shakeyshark said:

do they have to start the court proceedings before 6 years of default

yes if after then the debt is statute barred

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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once a claimform is issued it halts the sb clock , you cant stall them once one is issued.

until/unless they lose the claim or it's discontinued, then the clock resumes as if it never stopped.

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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Thankyou for your prompt responses.

I guess I'm still just playing the waiting game to see what their next move is.

I'd imagine now is when they will start ramping up the pressure, the last thing id want now is a ccj and then another 6 years of waiting for it to get removed.

I will of course keep updating the story as it progresses.

Thankyou for reading and your contributions!

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  • 3 weeks later...

Hello everyone,

As expected I have received some letters from PRA Group, not sure if they read these forums but received my first letter a week after my post! 

The first letter I received stated:

PRA Group (UK) Limited recently transferred your accounts to PRA Group UK Portfolios Ltd.

There is no change to how you normally talk to us, your accounts will continue to be managed by PRA Group (UK) Limited, but the benefits, rights, title and interest in these accounts are now owned by PRA Group UK Portfolios Ltd.

I then a couple of days after received another letter before claim.

I will of course send off the PAP request along with a CCA request. I just find it unusual that they have sent another one. Is this normal? Any advice would be great.

Please find attached their letter.

Many thanks in advance for any advice ☺️

 

 

2024-02-01 PRA Letter of claim.pdf

Edited by Nicky Boy
PDF redacted properly. Original redactions could be "moved"
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they've sent it because they've shuffled your debt to their new UK wing.

nothing nasty.

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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