• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

Pra group letter

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Pra group letter

    I have recieved a letter from PRA group saying i owe 1120 to Lloyds Bank it states the agreement date of 4th June 2010. Would this debt be statute barred?

    Any help greatly appreciated
    Tags: None

  • #2
    Originally posted by Dazzle1969 View Post
    I have recieved a letter from PRA group saying i owe 1120 to Lloyds Bank it states the agreement date of 4th June 2010. Would this debt be statute barred?

    Any help greatly appreciated
    When was the last payment made? Has there been any County Court Judgments issued for that debt by the court?

    Comment


    • #3
      Cant remember paymemt and no vcjs. Thanks

      Comment


      • #4
        Its a letter before court. Any idea what i should do?

        Comment


        • #5
          At this point I think you need to tick box D saying you dispute the debt.

          Then ask for the
          Agreement
          Notice of assignment
          Deed of assignment
          Full statement of account
          Default Notice
          Termination Notice

          I would also send a S78 to PRA

          Comment


          • #6
            Do I need to pay for that or just send the letter back and list those items in the box? Thanks for the advice

            Comment


            • #7
              Also what is a s78

              Comment


              • #8
                Originally posted by Dazzle1969 View Post
                Its a letter before court. Any idea what i should do?
                Request a copy of your CCA agreement -

                https://legalbeagles.info/library/gu...etter-example/

                Email PRA a Subject Access Request, they can pass it on, they have 30 days to respond - https://legalbeagles.info/library/gu...ccess-request/

                You should get that information in time to make a decision on how to proceed further.

                Last edited by echat11; 2nd July 2021, 11:48:AM.

                Comment


                • #9
                  Originally posted by Dazzle1969 View Post
                  Also what is a s78
                  It's from the requesting CCA link given.

                  These sections cover lending such as;
                  • Fixed sum Credit (S77): Loans
                  • Variable Sum Credit (S78): Credit Cards, Catalogues
                  • Hire Purchase (S79): HP agreements


                  Comment


                  • #10
                    Originally posted by Matty B View Post
                    At this point I think you need to tick box D saying you dispute the debt.

                    Then ask for the
                    Agreement
                    Notice of assignment
                    Deed of assignment
                    Full statement of account
                    Default Notice
                    Termination Notice

                    I would also send a S78 to PRA
                    I take it you've received a form from PRA and to return, i.e. where you can select 'D'?

                    Comment


                    • #11
                      Am I better to send that request to Lloyds or PRA as I am assuming its better if they do not reply?

                      Comment


                      • #12
                        Originally posted by echat11 View Post

                        I take it you've received a form from PRA and to return, i.e. where you can select 'D'?
                        Yes I have

                        Comment


                        • #13
                          Originally posted by Dazzle1969 View Post
                          Am I better to send that request to Lloyds or PRA as I am assuming its better if they do not reply?
                          Send everything to PRA, not Lloyds.

                          Comment


                          • #14
                            Originally posted by Dazzle1969 View Post

                            Yes I have
                            Don't forget to send that off, get 'Proof of Postage'.

                            Comment


                            • #15
                              1 more question sorry do i just fill out the box with the request or send a seperate letter

                              Comment

                              View our Terms and Conditions

                              LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

                              If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


                              If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

                              Announcement

                              Collapse
                              1 of 3 < >

                              Support LegalBeagles


                              Donate with PayPal button

                              LegalBeagles is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

                              2 of 3 < >

                              SHORTCUTS

                              Pre-Action Letters
                              First Steps
                              Check dates
                              Income/Expenditure
                              Acknowledge Claim
                              CCA Request
                              CPR 31.14 Request
                              Subject Access Request Letter
                              Example Defence
                              Set Aside Application
                              Witness Statements
                              Directions Questionnaire
                              Statute Barred Letter



                              If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.





                              NOTE: If you receive a court claim note these dates in your calendar ...
                              Acknowledge Claim - within 14 days from Service

                              Defend Claim - within 28 days from Service (IF you acknowledged in time)

                              If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




                              We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
                              If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
                              3 of 3 < >

                              Need Formal Help?




                              Search and Compare fixed fee legal services and find a solicitor near you.

                              Find a Law Firm


                              See more
                              See less

                              Court Claim ?

                              Guides and Letters
                              Loading...



                              Search and Compare fixed fee legal services and find a solicitor near you.

                              Find a Law Firm


                              Working...
                              X