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Re: Pra Group Letter Before Claim Received
Nice detail [MENTION=5553]charitynjw[/MENTION] :tinysmile_grin_t:
So if I send this, headed Second Request for CCA:
Please treat this letter as a formal request for you to supply a copy of my Consumer Credit Agreement as is my entitlement under sections 77-79 of the Consumer Credit Act 1974.
I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit.
Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.
If this fee is not required for the request it must be returned to me forthwith, it must not be allocated to the alleged debt as a payment.
If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189.
I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
Yours faithfully...
I really do appreciate all of your help!
Originally posted by charitynjw
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So I checked!
http://motherboard.vice.com/read/how...-to-skin-a-cat
Shannan Muskopf breaks it down further for us. She's the author ofAnatomyCorner.com and a biology teacher at Granite City High School outside of St. Louis.
“I would have to stick with the two main ways,” she wrote in an email. “Either from the ventral (belly) side of the cat, which is my preferred method, or going from the dorsal or the back side. The skin is looser at the abdomen which makes it easier to lift from the underlying muscle. I've attached a rudimentary drawing of how I would approach the skinning of the cat.”
http://motherboard.vice.com/read/how...-to-skin-a-cat
Shannan Muskopf breaks it down further for us. She's the author ofAnatomyCorner.com and a biology teacher at Granite City High School outside of St. Louis.
“I would have to stick with the two main ways,” she wrote in an email. “Either from the ventral (belly) side of the cat, which is my preferred method, or going from the dorsal or the back side. The skin is looser at the abdomen which makes it easier to lift from the underlying muscle. I've attached a rudimentary drawing of how I would approach the skinning of the cat.”
So if I send this, headed Second Request for CCA:
Please treat this letter as a formal request for you to supply a copy of my Consumer Credit Agreement as is my entitlement under sections 77-79 of the Consumer Credit Act 1974.
I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit.
Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.
If this fee is not required for the request it must be returned to me forthwith, it must not be allocated to the alleged debt as a payment.
If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189.
I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.
Yours faithfully...
I really do appreciate all of your help!
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