PRA Group Uk Portfolios Ltd

[pbks]

Hello ECHAT11
Thank you for your reply.

It had been an ongoing issue for the last 15 years which meant I had to leave my employment, and I was not able to resume it. However, I am now at retirement age anyway and my only means of income is a state pension, so no, my situation is not going to improve.
Thank you.

Hello ECHAT11,
Thank you for your reply.

Just wanted your further advice before proceeding with this route, as it could present a couple of issues.

Firstly, are they likely to want confirmation of my health from my GP? My GP has always been helpful and understanding in regards to my health, however, I would prefer not to involve her. My GP also has my correct DOB and may have to state this on any correspondence she may have to present as evidence, and the application credit form date of birth would not correspond with this.

It has my age as 61 which is not the government accepted retirement age, and they may then question, if I have to state what type of benefit I am receiving, how I can be on a state pension at that age, which could then present further problems?

I had considered writing to them some time ago to make them aware of my circumstances as I knew they were not going to improve, but was reluctant to do so as I didnt want to have to deal with the mental pressure that may have been involved, and also, in case that meant involvement of my GP. But as they were happy at the time to accept the SO of £1-00 I thought to leave it as it is, but now I am aware of the DOB error it could present further problems.

Thank you.

[echat11]

Hello ECHAT11
Thank you for your reply.

It had been an ongoing issue for the last 15 years which meant I had to leave my employment, and I was not able to resume it. However, I am now at retirement age anyway and my only means of income is a state pension, so no, my situation is not going to improve.
Thank you.

Write Without Prejudice on the letter.

Read and amend the following letter carefully, tell them about your personal circumstances, health, retired etc

https://www.citizensadvice.org.uk/de...debt---letter/

Fill in an income and expenditure form, take into account the 'cost of living', food, energy, etc. Give yourself some 'leeway' just incase things rise further.

https://nedcab.cabmoney.org.uk/

Make sure you get Proof of Postage.

Update the thread once you get a response.

Say you set up your SO for £1, it would take you approx 583 years to pay off the debt.
It's counter productive for them to chase the debt, doesn't make sense.

[pbks]

Is your health an ongoing issue?

If so you can see if they will write it off, if your circumstances are unlikely to improve.

Hello ECHAT11
Thank you for your reply.

It had been an ongoing issue for the last 15 years which meant I had to leave my employment, and I was not able to resume it. However, I am now at retirement age anyway and my only means of income is a state pension, so no, my situation is not going to improve.
Thank you.

[echat11]

Is your health an ongoing issue?

If so you can see if they will write it off, if your circumstances are unlikely to improve.

[pbks]

Do you know how much the initial debt was for?

How much have you been paying each month?

Does the agreement sent comply?

https://lawzone.legal/when-is-a-cred...0unenforceable.

Hello ECHAT11,
Thank you for your response.

I cannot remember the original amount, and the agreement does not state the amount, only stating at the top of the agreement that it was a credit card agreement. But it would I believe have been no less than £5000 pounds, but no more £7000 It now stands at £7761 and I cannot remember how much interest, if any was added before it went into default. I also cannot remember if the application was sent through the post or completed on line.

Their were some other accounts that also went into default at that time as I had to leave work because of my health,.

The debt was passed to BCW and in light of my circumstances they agreed to £1-00 a month.

BCW did not inform me that it had been passed to PRA, it was only when I received the letter from PRA in November 2021, at the time of the Coronovirus that I became aware of them. They did not state they had taken over the debt only informing me options of how to manage my account in case I had been affected directly or indirectly by the virus.

I received a number of letters from PRA of settlement options, until In January 2024 I received a letter stating my account with PRA group UK LTD had transferred the account to PRA group portfolios, please continue with your SO through the debt management comp, which was BCW.

I then received a further letter in February 2024 stating we previously wrote to you that we are now the legal owners of this account. Please do not make any further payments to the debt comp. Please contact us directly to understand your circumstances.

As to the agreement that was sent, does it comply. I am not entirely sure what you mean? It is a document of 2 pages. On the second page there are instructions of how to complete the form. Having reread them today it stated please sign and date the document, but for some unknown reason I did not date.it..

Thank you.

[echat11]

Do you know how much the initial debt was for?

How much have you been paying each month?

Does the agreement sent comply?

https://lawzone.legal/when-is-a-cred...0unenforceable.

[pbks]

Stay calm, enjoy the sun.
Don't do anything yet.

This needs to be 'unravelled', has the payments been made to the correct Creditor
Also a closer look at the CCA they've sent.
If need be, you can ask them to extend their deadline.
If I haven't posted before Wednesday, post something as a reminder.

Hello ECHAT11
Thank you for your response.

PRA were still receiving my payments from BCW up until I cancelled the SO in March 2025.

PRA previously wrote to me last year in June 2024 and asked me not to pay the SO to BCW anymore, and to contact them (PRA) to arrange a new payment plan with them, even though PRA had accepted the amount agreed with BCW when PRA took over the debt and been receiving my payments via BCW for quite a long time.

PRA sent me a letter on the 13th March 2025 and it was showing that they had been receiving my payments via BCW from when they took over my debt, up to and including the 27th Feb 2025. As I believed Moorcroft now had the debt and not PRA I cancelled the SO on the 17th of March, it was nxt due on the 27th. So they have not received March and Aprils SO.

I have reread the letter from Moorcroft dated 22nd August 2024. It states your account has been passed to us by PRA to act as a collection agent and we will now be dealing with you account. In light of this and the comments in the recent letter from Moorcroft it would seem the creditor of this debt.is still PRA.

As to the comment in Moorcrofts last letter of "If there is a repayment plan in place that you can continue to afford and maintain then please continue with the arrangement". They are not mentioning that there has to be a new payment plan arranged.

And as the original debt was bought by PRA who are a debt company, I am not sure what was the point in passing it over to Moorcroft who are also a debt company, as there was already a repayment plan in place.?

As to the CCA needing a closer look, I am not sure what that would entail.

As you say I will await your response, and if I have'nt heard from you I will post a reminder.
Thank you.

[echat11]

Hello ECHAT11

I have been able to retrieve the previous SO details from my bank and wondered if I should resume the SO to BCW in light of the comments from Moorcroft in my previous email?
Thank you.

Stay calm, enjoy the sun.
Don't do anything yet.

This needs to be 'unravelled', has the payments been made to the correct Creditor
Also a closer look at the CCA they've sent.
If need be, you can ask them to extend their deadline.
If I haven't posted before Wednesday, post something as a reminder.

[pbks]

Hello ECHAT11

I have been able to retrieve the previous SO details from my bank and wondered if I should resume the SO to BCW in light of the comments from Moorcroft in my previous email?
Thank you.

[pbks]

Still not compliant, so no change.

Hello ECHAT11,

I have received a letter from Moorcroft DRL today with a copy of my agreement. However, I am a little confused with some of their comments as I thought this debt was now with them, Moorcroft..

It states further to your recent communication with us we are writing to confirm we have been in touch with PRA GROUP UK LTD.

Please find a copy of the agreement for your account. We are putting this on hold until the 1st June 2025 for you to consider the information and let us have your proposals for settlement. Please contact us if there are any further queries.

We are eager to make progress and avoid any further debt recovery action and therefore look forward to hearing from you.

If you do not have a current repayment plan please know that we are happy to reach an agreement which you can afford and maintain, based upon your financial circumstances. However, if there is a repayment plan in place and you are happy that you can continue to afford and maintain it then please continue with your arrangement.

They have a client reference at the top of their letter which is the same reference as PRA used on their letters which is why I feel that they are acting on behalf of PRA and have not bought this debt.

I therefore feel I should have left the SO in place as it was an agreement PRA had accepted from BCW for a number of years and Moorcroft are stating if there is a repayment plan in place to continue with it.

As I mentioned in my previous emails to you there was an initial arrangement made with Buchanan, Clarke and Wells set up in 2006 which Pra initially were accepting from 2013 when they supposedly took the debt on. They then asked me in 2024 to stop paying them, via BCW and to contact them directly to discuss my circumstances to reach a suitable outcome. But as they had been quite happy to accept the original payment plan I made no contact with them until they informed me that as they had been unable to contact me they were transferring the dept to Moorcroft.

I continued to make the SO payment up until 17th March 2025, to BCW which is when I cancelled it with the Bank as I received a letter from PRA on the 13th March showing the payments were still going to them and not transferred to Moocroft.

I am a little confused as to who actually holds this debt as surely Moorcrofts they would know there is no repayment plan in place with them, so they must be referring to PRA? but as I have now cancelled the SO I cannot reset this up myself so I assume I am going to have to contact Moorcrofts to discuss my circumstances and to come to a new arrangement?

I have checked the agreement and it appears to be genuine, the date of the agreement 17-03-06 looks as if it has been added separately at the top of the agreement, also my signature is not dated, and for some reason my year of birth in incorrect, I am assuming it is my error on my part but as it is so long ago I was not aware of it until now.

I would therefore appreciate any further advice from you.

Thank you.

[pbks]

Still not compliant, so no change.

Thank you, that is what I thought.

[echat11]

P.S. The letter is a replica of their previous letters.

Still not compliant, so no change.

[pbks]

P.S. The letter is a replica of their previous letters.

P.P.S. And as previously mentioned to you, PRA stated in their letter of August 2024 that this debt has been transferred to Moorcroft and I have received confirmation from Moorcroft of this, so I am not sure why I have received correspondence from PRA.

[pbks]

Hello Echat11,

Further to my last post in October 2024, I have today received a letter from PRA dated 13th March 2025.

It states, In order to comply with regulations under the CCA we are providing you with this statement of your account.
They have included the original agreement date, original debtors name, original reference number and amount I now owe to PRA..

They state a transaction breakdown is available on request. Please contact us by telephone for further information about the origial credit agreement, such as duration, or the amount of credit originally provided.

Thanking you in advance,
PKBS.

P.S. The letter is a replica of their previous letters.

[pbks]

You can cancel the Direct Debit and put the money aside.

They need to fulfil your CCA request, to date they haven't.

Hello Echat11,

Further to my last post in October 2024, I have today received a letter from PRA dated 13th March 2025.

It states, In order to comply with regulations under the CCA we are providing you with this statement of your account.
They have included the original agreement date, original debtors name, original reference number and amount I now owe to PRA..

They state a transaction breakdown is available on request. Please contact us by telephone for further information about the origial credit agreement, such as duration, or the amount of credit originally provided.

Thanking you in advance,
PKBS.