PRA Group need help!!

[whoknowswho]

Re: PRA Group need help!!

Hi Guys,

I too am being harassed by PRA group and would welcome any help/expertise on the matter if possible.

I did post my own thread but no-one commented so could I be as cheeky as to post a link here as I see many people have commented and help the original poster here.

Apologies if this is against the rules :-/

anyway here is the link: http://www.legalbeagles.info/forums/...514#post651514

[Belle123]

Re: PRA Group need help!!

Thank you so much, you have put my mind at ease for now. I am so glad for this forum, everyone's help is appreciated, thanks again.
Belle

[Belle123]

Re: PRA Group need help!!

Hi, after hearing nothing from PRA since Dec I've now received a letter offering me a discount if I pay the balance in full or I can make six monthly payments of £2000. The reason I'm in this predicament is because I couldn't afford the monthly payments so why they think I can afford what they are offering is baffling!
Should I write to them again with the letter I was advised to write? Or do I offer them a payment I could afford each month which would be £50, not what they are hoping for but the best I could do at this time.
Thanks
belle

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No don't do their work for them just something along the lines of.

Sir/ Madam,

Date

Ref: use theirs

Sir/ Madam,

I ma in receipt of a document purporting to be a true copy of the agreement relating to the alleged debt for £ xxx.xx arising from an account with.......................:

This document is refuted as non compliant with my request made on date. I am sure PRA Group is full aware that this document in not compliant.

Yours etc.

nem

this is the letter I'm referring too
thanks
belle

[nemesis45]

Re: PRA Group need help!!

Hi, after hearing nothing from PRA since Dec I've now received a letter offering me a discount if I pay the balance in full or I can make six monthly payments of £2000. The reason I'm in this predicament is because I couldn't afford the monthly payments so why they think I can afford what they are offering is baffling!
Should I write to them again with the letter I was advised to write? Or do I offer them a payment I could afford each month which would be £50, not what they are hoping for but the best I could do at this time.
Thanks
belle

- - - Updated - - -



this is the letter I'm referring too
thanks
belle

Hello Belle

I suspect that they are fully aware they have nowt to back up their claim so a desperate plea for money i.e. please pay us even though we can't prove you owe anything or we'll cry!!

Yes send the letter Belle, just add that you do not acknowledge any liability to the PRA Group at the bottom of it.

nem

[Belle123]

Re: PRA Group need help!!

Thank you nem, I will get that sent off.
Belle

[Belle123]

Re: PRA Group need help!!

Hi all,
ive received a reply from PRA which I've hopefully uploaded. What should I do next? Also I got the letter today but it's dated Oct 19th, do the 30 days on hold apply from that date or from now?
Kind Regards
Belle

[Celestine]

Re: PRA Group need help!!

Don't worry, that is a standard threatogram where they try and say they have complied with all their duties. You do not have to fill in their Income & Expenditure form and you can ignore their meaningless reference to a 30 day hold. The account has effectively been 'on hold' for ages now. Nothing significant is going to happen after 30 days. Personally I would ignore that letter but keep an eye out for any letters referencing an escalation to court action. Come straight to us if they threaten anything further.

[Belle123]

Re: PRA Group need help!!

Thanks for the reply Celestine, I will wait and see what arrives.
Bella