PRA group reconstituted CCA

[Kasia]

I would like to ask if anyone can check my reconstituted CCA.

[des8]

Not if you don't post it up!

[Kasia]

Thank you for your reply. Will add photos of CCA.

[Kasia]

Not sure what I’m doing wrong but can’t upload the photo, any help please?

[des8]

Possibly too large or something.
Put it on a hosting site such as IMGUR and post link here

[Kasia]

https://imgur.com/a/0hGbDHi

[Kasia]

Hope that’s the link will work.

[des8]

That is a full Barclaycard CCA.

What you need to do is check that it contains all the same information that was included in the original agreement, e.g. your correct details, the interest rates are as in the original, and all the financial and other information are the same.
In other words that reconstituted document should be identical to the original, altho' your signature will be missing.

Only you can do that!

[Kasia]

Thank you.
I don’t have it (original) CCA.
Barclays not respond to my SAR request so can’t compare that.
My account was opened in 2011 and my credit agreement showing Barclays Bank UK PLC. How it's possible that the alleged account was opened in 2011, when the alleged original creditor wasn't incorporated until August 2015 ? How I can find out what is correct? I have all of my statements from 2011 and there is Barclays Bank PLC.

[des8]

[QUOTE=Kasia;n1653088]Thank you.
I don’t have it (original) CCA.
Barclays not respond to my SAR request so can’t compare that.

So who sent you the reconstituted agreement?
When did you send the SAR to Barclays?
If over a month ago send them an email reminder giving them a week to respond otherwise you will be making a complaint to ICO

My account was opened in 2011 and my credit agreement showing Barclays Bank UK PLC. How it's possible that the alleged account was opened in 2011, when the alleged original creditor wasn't incorporated until August 2015 ? How I can find out what is correct? I have all of my statements from 2011 and there is Barclays Bank PLC.

Seems not correct!
You could check the interest rates etc shown in the reconstituted CCA against your first statement

[Kasia]

1- Reconstituted CCA from PRA Group.
2- SAR request February 2023 , couple of months ago I phone them up with complain about SAR ( have date, time a name of the person who took it complain over the phone) still received nothing.
3- Interest seems correct ( with statement from 2011 )
4 - Statements 2011-2017 Barclays Bank PLC
5- Statement from 2018 Barclays Bank UK plc ( not sure why)

6 - Reconstituted CCA from PRA:

- Barclaycard Condition Credit Card Agreement ( Barclays Bank PLC )
- Credit Card Agreement ( base ) ( Barclays Bank UK PLC , not sure why)
- No date or credit limit shows on agreement, is that correct?
- Barclays Bank UK PLC sold debt to PRA group.

I’m mixed up with all of that and not sure what to do next.
Thank you for answering my question and your help.

[des8]

The lack of a credit limit on the CCA is not important, nor does it have to include a signature box, signature nor the date of signature from your original agreement.

Whilst the name of the original creditor is incorrect, as soon as that is brought to their attention, PRA will issue an amended reconstituted CCA.
So you don't want to tell them it is incorrect!

[Kasia]

Ok. I guess that PRA will issue court claim soon. What else shall I do in the meantime?

[des8]

At this stage i can't say because 1) this area is not one in which i have any expertise and 2) you haven't told us what is happening!
You have only asked about a reconstituted CCA.

Perhaps posting up a fuller account of your position will get more response