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Hi,
firstly Thankyou for letting me post.
The site helped me in 2017, history is as follows
6 Mar 17 -received letter from PRA stating they had purchased debt From lloyds - wasn’t sure this was legit as part on Lloyd’s paper part PRA but didn’t look like like the real Lloyd’s header paper
28 Mar 17 - Recieved another letter From PRA advising their letter of assignment was printed as single documents and should have been sent as separate documents and whilst they were correct they were now sending as separate documents ?
April 2017 - received Letter before claim from PRA chasing a LLoyds Credit card debt taken out in 2006
1 st May 17 - with help of the site i sent a Req Under sec 78 of the cca requesting documents
08 May 17 received letter confirming documents I wanted had been requested . Nothing for 1 year
Aug 18 - Pages came with copies of Credit card Transaction
15 Jan 19 - received a letter saying in response to the CCA request stating “ this was the documentation received to date - and they had now enclosed 1 page which was I think the Credit card Agreement with 9 key financial facts on it and 2 signatures. ( which are my name both look different ) I cannot recall whether I applied for this online or signed this paperwork they have sent.
In this letter they say “ they are awaiting further documents in order to complete my request and have currently deemed this debt as unenforceable.
26 April - recieved again today letter before claim with the standard forms and income expenditure etc
i am confused as I have had no documents since the letter on 15Jan so I don’t know whether they have made a mistake and don’t need to send anything further but didn’t realise, or whether I am still without documents. Not sure if the one page of 9 points entitled “ key financial information “ is the terms and conditions ?
Any help or advice would be greatly appreciated, I am trying to see how I can upload the letters
thankyou x
firstly Thankyou for letting me post.
The site helped me in 2017, history is as follows
6 Mar 17 -received letter from PRA stating they had purchased debt From lloyds - wasn’t sure this was legit as part on Lloyd’s paper part PRA but didn’t look like like the real Lloyd’s header paper
28 Mar 17 - Recieved another letter From PRA advising their letter of assignment was printed as single documents and should have been sent as separate documents and whilst they were correct they were now sending as separate documents ?
April 2017 - received Letter before claim from PRA chasing a LLoyds Credit card debt taken out in 2006
1 st May 17 - with help of the site i sent a Req Under sec 78 of the cca requesting documents
08 May 17 received letter confirming documents I wanted had been requested . Nothing for 1 year
Aug 18 - Pages came with copies of Credit card Transaction
15 Jan 19 - received a letter saying in response to the CCA request stating “ this was the documentation received to date - and they had now enclosed 1 page which was I think the Credit card Agreement with 9 key financial facts on it and 2 signatures. ( which are my name both look different ) I cannot recall whether I applied for this online or signed this paperwork they have sent.
In this letter they say “ they are awaiting further documents in order to complete my request and have currently deemed this debt as unenforceable.
26 April - recieved again today letter before claim with the standard forms and income expenditure etc
i am confused as I have had no documents since the letter on 15Jan so I don’t know whether they have made a mistake and don’t need to send anything further but didn’t realise, or whether I am still without documents. Not sure if the one page of 9 points entitled “ key financial information “ is the terms and conditions ?
Any help or advice would be greatly appreciated, I am trying to see how I can upload the letters
thankyou x
