PRA Group need help!!

[nemesis45]

Re: PRA Group need help!!

Hi, can anyone tell me what the next step is now? Do I write and offer them a payment I could afford each month?
Thanks
Belle

There is no section 11?
If so then the agreement is faulty.
PRA are notorious for poor paper work.
My eyes are not good enough to make sense
of the documents perhaps [MENTION=6]Amethyst[/MENTION] will
take another look.

nem

[Belle123]

Re: PRA Group need help!!

The writing on the pages are quite blurred so that's why the pics didn't come out clear ��
On the reverse side of the signature form it says these are paragraphs 1,2&3 of your terms and conditions, the rest of your t&c's (paragraph 4 to 19) can be found in the full copy. ( they must have sent that at the time but I won't have it as it was 11 years ago when I got the card)
Underneath where it says important you should read this carefully -your rights is all regarding paragraphs 1-3.
On the signature form it says Before you sign this agreement you must read section 11 in the t&c's's provided, so that's the only number that is mentioned above 3, hope this makes sense.
thanks
Belle

[Belle123]

Re: PRA Group need help!!

Can anyone advice what to do now please?
Belle

[MIKE770]

Re: PRA Group need help!!

@nemisis45?

[Belle123]

Re: PRA Group need help!!

[MENTION=1937]nemisis[/MENTION]?

Thanks for that mike but that person hasn't been active since 2012?
Belle

[nemesis45]

Re: PRA Group need help!!

Thanks for that mike but that person hasn't been active since 2012?
Belle

I think Mike was referring to me Belle [MENTION=55034]nemesis45[/MENTION]

If the documents provided now mention any other documents, clauses or pages that are not
included the agreement fails to comply.

nem

[Belle123]

Re: PRA Group need help!!

Thanks, so do I write back to PRA asking for the full t&c's?
Belle

[nemesis45]

Re: PRA Group need help!!

Thanks, so do I write back to PRA asking for the full t&c's?
Belle

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

[Belle123]

Re: PRA Group need help!!

Thank you, I will get that sent off and post my reply when I receive it.
Belle

[Belle123]

Re: PRA Group need help!!

Hi, it's now June and I've not heard anything back from PRA group since I last sent them a letter in Dec. What do you think is happening? I just hate having this debt hanging over my head and would like it sorting out. Should I write to them to enquire or wait until they contact me? I just don't want to be sent a court letter when I could try and offer them a payment each month.
thanks,
Belle

[Belle123]

Re: PRA Group need help!!

Could anyone advice please?
Thanks
Belle

[Celestine]

Re: PRA Group need help!!

You have had no contact at all since December when you sent the letter?

If so, then your letter has helped. It would be normal for the debt demands to continue.

Don't do anything. You have exercised your rights as a consumer to be sent a copy of the agreement under s.78 CCA 1974, they have failed in their duties as creditor to comply. If/when they try to enforce this will be a problem for them and you would have grounds to defend. Eventually (6yrs from last payment) the account could become time barred under the Limitation Act 1980.

[nemesis45]

Re: PRA Group need help!!

Hello Belle,

As [MENTION=2]Celestine[/MENTION] says do nothing I suspect that they are aware that their " agreement " supplied is faulty and are now more likely to sell the debt off to another unsuspecting bunch.

You do need to keep an eye on your post if anything does come up get back here asap.

nem

[Belle123]

Re: PRA Group need help!!

Hi, thank you both for your replies. Yes I have heard nothing since December, no phone calls or letters! Could you please give me the worse scenario of what they can do to reclaim the credit card debt? I'm scared that they could take my house or send the bailiffs round, sorry to trouble you but I just can't relax at the moment wondering what they are up to or if they are just gonna turn up at my home.
Thanks
Belle.

[Celestine]

Re: PRA Group need help!!

Please don't worry. They cannot do ANYTHING to enforce this debt without first going to court. That would take several months during which time we would help you defend any claim.

Only IF they get a successful judgment could they think about a charging order (to attach debt to any owned home). You could also argue to make an arrangement to pay over time, so truly there is nothing to fear here.

I have never ever seen bailiffs used in credit debt cases, they tend to only be used by councils to collect council tax and parking fines.