Pra group letter

[Dazzle1969]

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

[echat11]

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?

[Dazzle1969]

Cant remember paymemt and no vcjs. Thanks

[Dazzle1969]

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

[Matty B]

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

[Dazzle1969]

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

[Dazzle1969]

Also what is a s78

[echat11]

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.

[echat11]

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

[echat11]

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'?

[Dazzle1969]

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

[Dazzle1969]

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

Yes I have

[echat11]

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.

[echat11]

Yes I have

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

[Dazzle1969]

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