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PRA CCA Help

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  • #16
    Re: PRA CCA Help

    Originally posted by gwkerr View Post
    Don't laugh guys but whilst I was away my wife responded to PRA's 50% discount voucher. Using Without Prejudice template and offered F&F settlement for 75% of balance. Signed with PP next to her signature. Does the SB clock reset again????
    To reset the clock, a payment or written acknowledgment has to be made by yourself or someone acting on your behalf, i.e. if you went to the CAB or Payplan to set up a DMP, they'd be acting for you. If you didn't authorise your wife to act for you, you should make it clear to them that she acted without your authority. You could say she was mistaken as to what that letter referred to.

    Comment


    • #17
      Re: PRA CCA Help

      Originally posted by FlamingParrot View Post
      To reset the clock, a payment or written acknowledgment has to be made by yourself or someone acting on your behalf, i.e. if you went to the CAB or Payplan to set up a DMP, they'd be acting for you. If you didn't authorise your wife to act for you, you should make it clear to them that she acted without your authority. You could say she was mistaken as to what that letter referred to.
      I have sent that letter and awaiting their response. I have been looking at the CCA from 2006. A tick box appears in my old name, 3 pages of terms. Then another 8 pages of terms and conditions in my current name and address changed a few years ago. Why would there be 2 sets?

      Comment


      • #18
        Re: PRA CCA Help

        Originally posted by gwkerr View Post
        I have sent that letter and awaiting their response. I have been looking at the CCA from 2006. A tick box appears in my old name, 3 pages of terms. Then another 8 pages of terms and conditions in my current name and address changed a few years ago. Why would there be 2 sets?
        If it was an online application made after 2004, then the tick box is the same as a wet ink signature. Without looking at them, I assume the three pages of terms would have been the ones from inception you agreed to when you ticked the box. The other eight pages would be T&Cs varied during the life of the account. A response to a CCA request should include both the terms from inception and varied terms, that would explain the two sets. :thumb:

        Comment


        • #19
          Re: PRA CCA Help

          Originally posted by FlamingParrot View Post
          If it was an online application made after 2004, then the tick box is the same as a wet ink signature. Without looking at them, I assume the three pages of terms would have been the ones from inception you agreed to when you ticked the box. The other eight pages would be T&Cs varied during the life of the account. A response to a CCA request should include both the terms from inception and varied terms, that would explain the two sets. :thumb:
          With that settlement offer letter sent in error by the Mrs this DCA PRA seem to think they will get some cash out of me. They even claim that I have made payments which acknowledges this debt. I have asked for proof as I have never made a payment to them. They are also reqesting Income and Expenditure of this household. I think I am going to wait until they proceed with a claim before I do anything. I will scan and post up the agreements for advice

          Comment


          • #20
            Re: PRA CCA Help

            Originally posted by gwkerr View Post
            With that settlement offer letter sent in error by the Mrs this DCA PRA seem to think they will get some cash out of me. They even claim that I have made payments which acknowledges this debt. I have asked for proof as I have never made a payment to them.
            They would have to show when and how those allege payments were made. Lowell tried that old trick and took it all the way to court, where the judge dismissed it: : http://www.legalbeagles.info/forums/...udge+dismissed :grin: :grin: :grin:
            Originally posted by gwkerr View Post
            They are also reqesting Income and Expenditure of this household. I think I am going to wait until they proceed with a claim before I do anything. I will scan and post up the agreements for advice
            Both sound like a good idea (waiting and posting up, not the I&E bit :nono. :ranger:

            Comment


            • #21
              Re: PRA CCA Help

              Originally posted by gwkerr View Post
              I have sent that letter and awaiting their response. I have been looking at the CCA from 2006. A tick box appears in my old name, 3 pages of terms. Then another 8 pages of terms and conditions in my current name and address changed a few years ago. Why would there be 2 sets?
              Do have a copy of the letter your wife sent? If so can we see it please.

              nem,

              Comment


              • #22
                Re: PRA CCA Help

                WITHOUT PREJDUICE

                XXXXXXXX

                Reference Number: XXXXXXX

                Dear Sirs

                In response to your letter dated XXXXXX offering a 50% discount to settle this debt. I would consider settling this debt for a discount of 75% which can paid in instalments of XX a month. Payments can begin from September 2015.
                Alternatively a full and final settlement offer of XXX can be made within 10 days.
                This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released from any liability.


                I also request that, if accepted, you will mark any entry on a credit reference agency file relating to the above account as "satisfied" in full.

                I look forward to your response within 7 days

                Yours sincerely
                PP MRS GWKERR
                GWKERR
                Last edited by gwkerr; 4th September 2015, 10:38:AM.

                Comment


                • #23
                  Re: PRA CCA Help

                  :bump: for [MENTION=55034]nemesis45[/MENTION]
                  Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                  It doesn't matter where your journey begins, so long as you begin it...

                  recte agens confido

                  ~~~~~

                  Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                  I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                  But please include a link to your thread so I know who you are.

                  Specialist advice can be sought via our sister site JustBeagle

                  Comment


                  • #24
                    Re: PRA CCA Help

                    Originally posted by Kati View Post
                    :bump: for @nemesis45
                    Got it [MENTION=49370]Kati[/MENTION]!! Thank you!

                    Comment


                    • #25
                      Re: PRA CCA Help

                      Originally posted by gwkerr View Post
                      WITHOUT PREJDUICE

                      XXXXXXXX

                      Reference Number: XXXXXXX

                      Dear Sirs

                      In response to your letter dated XXXXXX offering a 50% discount to settle this debt. I would consider settling this debt for a discount of 75% which can paid in instalments of XX a month. Payments can begin from September 2015.
                      Alternatively a full and final settlement offer of XXX can be made within 10 days.
                      This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released from any liability.


                      I also request that, if accepted, you will mark any entry on a credit reference agency file relating to the above account as "satisfied" in full.

                      I look forward to your response within 7 days

                      Yours sincerely
                      PP MRS GWKERR
                      GWKERR
                      Hi, this letter could indeed be a problem, the without prejudice really just stops you using the letter in court.

                      Per Pro is taken to mean " For And On Behalf Of" (your husband) in this case.
                      Any such off would be best worded " This offer is made as a gesture of good will and without acknowledgment of any liability for the alleged debt.

                      What are you proposing to do? I would suggest a letter ( Formally Stated/composed withdrawing the offer as unauthorised no guarantee that this will be successful.

                      Also have you ascertained what/how and who by any payments have been allegedly been made?

                      Please post any documents you do have in your possession here, it will be allow for more comprehensive advice.
                      If you need help with draft letter(s) please let me know asap as I'm away after tomorrow.

                      nem

                      Comment


                      • #26
                        Re: PRA CCA Help

                        Originally posted by nemesis45 View Post
                        Hi, this letter could indeed be a problem, the without prejudice really just stops you using the letter in court.

                        Per Pro is taken to mean " For And On Behalf Of" (your husband) in this case.
                        Any such off would be best worded " This offer is made as a gesture of good will and without acknowledgment of any liability for the alleged debt.

                        What are you proposing to do? I would suggest a letter ( Formally Stated/composed withdrawing the offer as unauthorised no guarantee that this will be successful.

                        Also have you ascertained what/how and who by any payments have been allegedly been made?

                        Please post any documents you do have in your possession here, it will be allow for more comprehensive advice.
                        If you need help with draft letter(s) please let me know asap as I'm away after tomorrow.

                        nem
                        [MENTION=1937]nemisis[/MENTION] I have sent a letter withdrawing the previous letter. DCA claim debt has been acknowledged due to previous payments I have asked for evidence as I have made none. I will wait for them to make a claim

                        [MENTION=49370]Kati[/MENTION] I have emailed you to post up

                        Comment


                        • #27
                          Re: PRA CCA Help

                          [QUOTE=gwkerr;572810]@nemisis I have sent a letter withdrawing the previous letter. DCA claim debt has been acknowledged due to previous payments I have asked for evidence as I have made none. I will wait for them to make a claim

                          @Kati I have emailed you





                          Originally posted by gwkerr View Post
                          @nemisis I have sent a letter withdrawing the previous letter. DCA claim debt has been acknowledged due to previous payments I have asked for evidence as I have made none. I will wait for them to make a claim

                          @Kati I have emailed you to post up
                          Thanks GW,
                          I wonder where PRA are getting the idea payments have been made? Has this debt been it the hands of any other DCA's / Debt purchasers?

                          Steve Fredrickson is the CEO PRA Uk perhaps a complaint to him direct might get results.
                          nem

                          Comment


                          • #28
                            Re: PRA CCA Help

                            got them
                            Attached Files
                            Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                            It doesn't matter where your journey begins, so long as you begin it...

                            recte agens confido

                            ~~~~~

                            Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                            I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                            But please include a link to your thread so I know who you are.

                            Specialist advice can be sought via our sister site JustBeagle

                            Comment


                            • #29
                              Re: PRA CCA Help

                              and:
                              Attached Files
                              Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                              It doesn't matter where your journey begins, so long as you begin it...

                              recte agens confido

                              ~~~~~

                              Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                              I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                              But please include a link to your thread so I know who you are.

                              Specialist advice can be sought via our sister site JustBeagle

                              Comment


                              • #30
                                Re: PRA CCA Help

                                [QUOTE=nemesis45;572813]
                                Originally posted by gwkerr View Post
                                @nemisis I have sent a letter withdrawing the previous letter. DCA claim debt has been acknowledged due to previous payments I have asked for evidence as I have made none. I will wait for them to make a claim

                                @Kati I have emailed you






                                Thanks GW,
                                I wonder where PRA are getting the idea payments have been made? Has this debt been it the hands of any other DCA's / Debt purchasers?

                                Steve Fredrickson is the CEO PRA Uk perhaps a complaint to him direct might get results.
                                nem
                                On noddle it shows that payments were made to the OC with DA. Which could explain? I did send £1 for cca request.

                                Comment

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