pra group taking me court

[mckenzie68]

I was going to reclaim ppi myself but obviously if they have claimed this then i cant because i was going to use this for the debt

[mckenzie68]

yes i will send them a sar request but i still dont know what to do with PRA because they are now waiting for a response

[mckenzie68]

So if they have claimed for PPI without my knowledge is there anything i can do

[mckenzie68]

Right done both SARS

[mckenzie68]

just one last thing just got the post out and now its been allocated to a small claims court so PRA did not keep up to what they told the financial ombudsmen they were putting it on hold for 30 days

[Amethyst]

After that last statement from Lloyds that has the 'write off' part on - what does the next statement say ?

Is the letter this morning the Directions Questionnaire ?

[mckenzie68]

yes its a direction questionnaire i will have to borrow my husbands glasses to see the statement lol but i will have a look. can i still go on they havent sent me a default notice and the agreement

[mckenzie68]

looked through that was the last statement then just a printout paper with payments from 22/02/2011 till april 2016

[mckenzie68]

i am aslo missing may june july august 2007 statement

[mckenzie68]

sorry i have also found out i have a printout of payments from 7/01/2008 it was hidden under the other paperwork so after the statement of write off i just had a print off payments no balances put on them

[mckenzie68]

and i found the may june and july august one too

[mckenzie68]

the printout of payments of 2008 to 2016 are on a a4 paper just says payment date and how much was paid but no balance at the end of it

[mckenzie68]

so i dont know if to carry on with the defence or ask if they will accept small payments as i am unemployed and in remission with gct ovarian cancer

[Amethyst]

Complete the DQ and return it to the court and send a copy to the claimant.

You really need the info from Lloyds about the write off before you go back with making any offers to settle.

Do you remember why you stopped making payments in 2007 ? Was that due to your health issues and you communicated that to Lloyds at the time ?

anything statement wise between Dec 2007 and when you started with Debt Free Me ?
Were the DFM payments going TO Lloyds ?

it says on the claim form i defaulted on the 24/12/2007 which i never got a default letter with an outstanding balance of 8,350.17

Have you asked for a copy of the default notice or mentioned it in your defence at all ? ( IT should show up on your SAR response in any case)

[mckenzie68]

yes i did ask for the default and the agreement but never received these i went with dmp because my husbands hours had dropped. they told me it will finish after five years if i went with them silly to have beleived them. i got free advice from a solicitor and becausei have no money to spare . just write to them and explain mt situation as i am vulnerable because i am in remission and i have no equity and as i am unemployed would they accept small payments. i cant see me winning because i have the cca