PRA Group need help!!

[FlamingParrot]

Re: PRA Group need help!!

Hi,
Do I need to print the CAA out or can I write it?

The Consumer Credit Act does not require it to be in a certain format but these days most correspondence would be printed. Presumably you have access to a printer.

Also will it ruffle PRA's feathers more by me asking for proof, I'm just worried I'm going to make things worse by asking for a CAA?
Thanks
Belle

Ok, Thankyou.
I think I need to get that sent off and stop reading other things, I'm panicking about being taken to court by the dca, is this normal practise for them?
Thanks
Belle

The DCA's criteria for issuing claims doesn't always follow a clear pattern, however, one thing is for sure: they hope to obtain default judgment, and over 75% of money claims end that way. Debt purchasers buy accounts in bulk without any paperwork, so they have to go back to the original creditor to obtain it, and they may or may not be able to supply it. It's out of their control. If they see you are the sort of person who is likely to challenge them and defend a claim if one was issued, they'll probably move on to easier prey. ray:

If they were to issue a claim, you'd have to send a CCA request anyway, and you'd always be wondering what sort of paperwork they have (if any). If you get that over with at this early stage, you would be much better prepared *if* a claim was issued in the future so as well as being your lawful right, it can only work in your favour. :thumb:

Do keep us posted. :typing:

[Belle123]

Re: PRA Group need help!!

Hi, yes I can get access to a printer but not till the wkend, but as there is no time limit as to when I have to reply back I'm happy to wait till then.
I will let you know their reply once I've received it.
Thanks
Belle

[FlamingParrot]

Re: PRA Group need help!!

Hi, yes I can get access to a printer but not till the wkend, but as there is no time limit as to when I have to reply back I'm happy to wait till then.
I will let you know their reply once I've received it.
Thanks
Belle

Hi Belle

No, there is no time limit to send a CCA request, in this case it's mostly for your own good so you know what they've got (or not as the case may be). :thumb:

The w/e should be fine. :ranger:

[Belle123]

Re: PRA Group need help!!

Hi, if I click on the link for the CCA request form on a computer will it give me the options to fill in my address and other details? Then I just print it off?
Sorry if this is a stupid question 😁
Thanks
Belle

[Kati]

Re: PRA Group need help!!

Yep :nod: ... post #1 of the link FP put up on here (http://www.legalbeagles.info/forums/...y-of-Agreement)

[Belle123]

Re: PRA Group need help!!

Thanks
Belle

[FlamingParrot]

Re: PRA Group need help!!

Hi, if I click on the link for the CCA request form on a computer will it give me the options to fill in my address and other details? Then I just print it off?
Sorry if this is a stupid question 😁
Thanks
Belle

Thanks
Belle

To clarify, the CCA request letter is not a form as such, it's just a template you have to copy and paste into Word or your own text or word processing program. :nerd: If you are used to things like the the NE Derbyshire CAB online budgeting tool or similar online forms where you fill in data and then it produces a Word document for you to download and print off, I'm afraid this isn't quite as sophisticated as that.

You will need to manually replace the bits highlighted in green with your own personal details and the details of the company.

[Belle123]

Re: PRA Group need help!!

Oh right, I was gonna do it on the computer at work but that sounds complicated and wanted to get it done ASAP without any prying eyes around. I will just write it out and send it that way.
Thanks
Belle

[Belle123]

Re: PRA Group need help!!

Hi, I am paying £69 a month to barclaycard, it's been a year since I've been paying this and I've been sent a letter asking me to ring them to discuss my financial situation now. I can not afford to pay more than that right now.
My question is should I write to them explaining this or write to them?? I spoke to them last time and they agreed to £69 and I get a statement every month which shows what I am paying off ( interest is frozen)
Will they let me pay this amount again for another year does anyone know??
I've had about 5 phone calls this wk so far which I haven't answered, the letter said to contact them before the 29th October so not sure if I should ring or write ( I first wrote to them when I was having difficulty and they wrote saying I had to ring them so just wondering if they'd do the same again)
Thanks
Belle

- - - Updated - - -

Sorry, above I've written write twice but I meant should I write to them or ring them.
Belle

[Belle123]

Re: PRA Group need help!!

Anyone know what's best to do?? Sorry to post again but the letter said to be in contact by 29th oct so I've only a few days to be in touch.
Thanks
Belle

[nemesis45]

Re: PRA Group need help!!

Anyone know what's best to do?? Sorry to post again but the letter said to be in contact by 29th oct so I've only a few days to be in touch.
Thanks
Belle

Hi I'm coming late to your thread, so please to save time can you
give me a quick lead in to what you have done so far?

Am I right in thinking that you are paying £69 per month to Barclaycard for a debt that it now
owned by the PRA Group?

nem

[Belle123]

Re: PRA Group need help!!

Hi, I spoke to barclaycard last year to inform them I couldn't afford £300+ a month for the £8000 balance I had on the card. They agreed I could pay £69 a month and they froze the interest, I get a statement every month which shows this. It's now a year since they agreed this and I received a letter asking me to ring them by the 29th, someone suggested I write to them and not ring them but when I originally did this they replied saying I had to speak to them, so what should I do, ring or write? I'm happy to carry on paying £69 a month if they are agreeable but I'm wondering if after a year of letting me pay that interest free if they'd still allow it??
The debt which is now owned by PRA was with Mbna which is for £13,000, I have sent off a CAA request but as of yet I haven't had a reply from PRA.
Thanks
Belle

[Amethyst]

Re: PRA Group need help!!

I would write back to them and tell them you only wish to discuss in writing - by letter or email and give them your email address - and do not wish to discuss by telephone.

[Belle123]

Re: PRA Group need help!!

Ok, I will do that. Thankyou for getting back to me.
Belle

[Belle123]

Re: PRA Group need help!!

Hi, Just an update.
I've received a reply from PRA regarding the CCA request I sent them. They have put my account on hold until they receive the required information, and will contact me with an update as soon as possible.
Belle