• 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

  • #16
    Originally posted by Dazzle1969 View Post
    1 more question sorry do i just fill out the box with the request or send a seperate letter
    Copy & Paste the letter / Request that's in the box. Make sure you send the correct one, otherwise it will delay matters.

    Comment


    • #17
      And print it off into a formal letter and send recorded delivery?

      Comment


      • #18
        Originally posted by Dazzle1969 View Post
        And print it off into a formal letter and send recorded delivery?
        Correct.

        Comment


        • #19
          Originally posted by echat11 View Post



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


          I would be sending the SAR to Lloyds as they are the people who have all the details PRA will rely on- consider this, if Lloyds can show no evidence of a default notice , yet PRA reconstituted one , you could legitimately ask the question, where did that information come from.

          In my experience, you send the SAR to the Original creditor and not the debt purchaser

          Comment


          • #20
            Originally posted by Matty B View Post

            I would be sending the SAR to Lloyds as they are the people who have all the details PRA will rely on- consider this, if Lloyds can show no evidence of a default notice , yet PRA reconstituted one , you could legitimately ask the question, where did that information come from.

            In my experience, you send the SAR to the Original creditor and not the debt purchaser
            I initially put Lloyds, but changed it to PRA after checking another website, DebtCamel -https://debtcamel.co.uk/free-access-data-gdpr/ , I can see what you are saying. What's to stop Lloyds forging a 'default notice'?, not like they wouldn't do that and have scruples and standards. Hopefully no payments has been made within 6 years and no CCJ's exist for the debt.

            Dazzle1969, if your about, send everything to Lloyds.

            Comment


            • #21
              Originally posted by echat11 View Post

              I initially put Lloyds, but changed it to PRA after checking another website, DebtCamel -https://debtcamel.co.uk/free-access-data-gdpr/ , I can see what you are saying. What's to stop Lloyds forging a 'default notice'?, not like they wouldn't do that and have scruples and standards. Hopefully no payments has been made within 6 years and no CCJ's exist for the debt.

              Dazzle1969, if your about, send everything to Lloyds.
              So do i just ignore PRA Group?

              Comment


              • #22
                Originally posted by Dazzle1969 View Post

                So do i just ignore PRA Group?
                Send Lloyds all the requests (CCA and SAR) send Recorded Delivery.

                Tick 'D' in the form you received from PRA and send it back to them, get Certificate of Posting.

                Comment


                • #23
                  Originally posted by echat11 View Post

                  Send Lloyds all the requests (CCA and SAR) send Recorded Delivery.

                  Tick 'D' in the form you received from PRA and send it back to them, get Certificate of Posting.
                  Thanks i appreciate all the help have a great weekend

                  Comment


                  • #24
                    We seem to have gotten into a mess here- it is a little complicated until you get used to what is needed.

                    CCA request and response to letter before action go to PRA. Remember to send the 1 fee with the CCA request.

                    The SAR and only the SAR goes to Lloyds

                    It is likely that Lloyds can provide the CCA request but you do not want them to . You certainly don't want PRA to be able to. Sometimes in the agreement between the seller and the new owner it will say when the seller will get off their backsides and look for documents. I saw one such agreement that said after 12 months they would not look - if PRA can not comply with your CCA request they can not enforce.

                    If you can afford it, send the CCA request Royal Mail signed for and then when the proof of delivery is on the website print it off and store with your other letters


                    In answer to ECHAT's question about Lloyds forging a DN, yours will be one of many many and they will probably think your SAR is about reclaiming charges or something similar .

                    It should also show details of communications between Lloyds and PRA

                    One of my SAR requests showed the original creditor saying the account had been sold on the 6th but the debt purchaser said it had be bought on the 13th - so who owned it in those few days
                    Last edited by Matty B; 2nd July 2021, 14:23:PM. Reason: Additions

                    Comment


                    • #25
                      Brilliant post Matty thanks for that its very helpful and does clarify things for me. I'll let you know how i get on. Thanks again

                      Comment


                      • #26
                        Originally posted by Matty B View Post
                        We seem to have gotten into a mess here- it is a little complicated until you get used to what is needed.

                        CCA request and response to letter before action go to PRA. Remember to send the 1 fee with the CCA request.

                        The SAR and only the SAR goes to Lloyds

                        It is likely that Lloyds can provide the CCA request but you do not want them to . You certainly don't want PRA to be able to. Sometimes in the agreement between the seller and the new owner it will say when the seller will get off their backsides and look for documents. I saw one such agreement that said after 12 months they would not look - if PRA can not comply with your CCA request they can not enforce.

                        If you can afford it, send the CCA request Royal Mail signed for and then when the proof of delivery is on the website print it off and store with your other letters


                        In answer to ECHAT's question about Lloyds forging a DN, yours will be one of many many and they will probably think your SAR is about reclaiming charges or something similar .

                        It should also show details of communications between Lloyds and PRA

                        One of my SAR requests showed the original creditor saying the account had been sold on the 6th but the debt purchaser said it had be bought on the 13th - so who owned it in those few days
                        Hi should i list any reasons in box D that i dispute the debt at this point?

                        Comment


                        • #27
                          Just recieved 2 letters from PRA does this mean the debts are not enforceable? Any help appreciated

                          1 letter says they are requesting docs from Lloyds so will suspend action.

                          The other 1 says more interestingly that " we are unable to fulfill your request for a copy of the agreement as current accounts do not require a credit agreement therfore no credit agreement would have been set up and this account is not included in CCA 1974" this was an overdraft so is it enforceable?

                          Comment


                          • #28
                            MIKE770 can you give me any advice on this please? Thanks in advance

                            Comment


                            • #29
                              they say no CCA but they know these days they have to supply one, decades ago.

                              sure paul

                              Comment


                              • #30
                                Originally posted by MIKE770 View Post
                                they say no CCA but they know these days they have to supply one, decades ago.

                                sure paul
                                Does that mean its not enforceable and where does that leave me in terms of overdraft?

                                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