Jump to content


  • Tweets

  • Posts

    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

PRA and old Barclaycard debt not used/heard of in years - SB'd?


Yorky55

Recommended Posts

Hy, Not sure if this is right place for this;

Advice  and fact needed please.

1] My understanding is, if you believe that you haven't contacted or  made payment for at least 6 years, then you can argue, Statute Barred, just reciveing a letter or statement, from Debt Collector, does not make it a enforceable debt, especially if you have no claimed it ever was.

2] No court [CCJ] or legal threat letters received

3] Out of blue, letter received, not even my proper address, stating if a one off final payment is made, then debt closed! 

But I dont recall debt and have not made contact with in the 6 years.

I dont think writing to them making acknowledgement of any kind is a good idea, as that then would suggest you know of the debt and your 6 years would be restarted.

What is the best course of action!

 

many thanks

 

 

Link to post
Share on other sites

If you've got a letter saying the "debt" is closed just file it and forget about it.

Don't enter into silly letter tennis if you don't have to. They're likely phishing for a response.

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

Link to post
Share on other sites

Who is the mysterious DCA?

 

Check your credit file too.

And don't respond to a powerless DCA, you'll give them delusions of grandeur!

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!

 

 

Link to post
Share on other sites

why do you always make such obscure posts? speak ENGLISH..

if a debt is statute barred, send them our SB letter.

you cannot unbar a debt if it's already SB'd by doing that..not even a judge can unbar a debt.

:noidea:

however if the address they are using for you is not correct or current, i'e you RAN AWAY from the debt and never updated ANY original Creditor nor latterly the DCA/debt buyer you have moved IN WRITING.

you stand a very big chance of a backdoor CCJ even if the debt IS SB'd.

remember northants bulk is a ROBOCLAIM Court, everything is automated. no human checks anything. just gets rubberstamped as default judgement if you don't defend 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... 

Link to post
Share on other sites

hy,

sorry I get so  scrambled with posts.

I still got the letter and enclosure its just they got part of the address wrong, haven't moved away, been here for quite a few years

PRA Group Letter 1 - says they recently sold the Barclays A/c debt to PRA Group UK Portfolios Ltd and is owned now  by them.

They are now data controllers of my personal  data for the a/c.

It has amount owed, who I owed to, agreement date Nov 2002.

In same envelope was;

Letter 2, providing a statement of my a/c,  Transaction breakdown available upon request. further information about original credit agreement. Debt is approx 4,300.00+ 

Then repayment solution , if I pay £879.55 full and final settlement to settle the debt. but has to be paid by 21/2/2024.

then about 7 pages of info about Data protection info notice

A lot has happened over last 10 years, especially the last few, nearly 64 now, had to give up work to be a full time family member carer. 

I cant seem to find much or if any info relating to this debt, 

I cant find any letters to say I contacted them with any info or payments offers.

what would the best option for me to proceed, please.

As i only get carers allowance and very little income, they wont get much out of me anyway.

any advice is better than none,

so sorry, Bazooka Boo, lolerz, its such a nightmare time at moment caught up with flooding and burst pipes, sorting travelling and caring full time  for my brother.

-PRA Group transferred my original debt, Barclays to PRA Group UK Portfolios Ltd.

reply to lolerz - sorry no letter from them or anyone who said debt is closed

reply to Bazooka Boo, well they are asking me to respond 

I can not recall ever responding to them ,have some boxes in attic, which are about 8 to 10 years old, will see if I can find anything.

they have given me a statement, a/c summary  and agreement date Nov 2002, which  I assume is when I did a credit agreement, but so long ago now.

I just need to get on top of it and know how to tackle it best.

Link to post
Share on other sites

  • dx100uk changed the title to PRA and old Barclays debt not used/heard of in years - SB'd?

credit card

loan

or OD Bank Account?

 

 

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... 

Link to post
Share on other sites

  • dx100uk changed the title to PRA and old Barclaycard debt not used/heard of in years - SB'd?

if you have not used or paid in 6yrs 

send PRA our SB letter from the debt collection section of our library.

nail then in their box.

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... 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...