PRA Group

[basa48]

Re: PRA Group

These Egg accounts have been kicked around a lot. Egg sold out to Barclaycard some time ago and all the default accounts passed (in my case at least to Marlin). I think Marlin have now palmed these off to PRA.

Marlin wrote to me a while back about a Barclaycard account 'I had entered into' (this was clearly my old defaulted Egg account). I wrote to Marlin saying I had never had a Barclaycard nor an account with the number they quoted (I assume the number quoted on your letter is not the same as the old Egg account number). I did ask for copies of the agreement etc.

I have heard nothing since and the account is now statute barred.

Unless you have made any recent (within 6 years) payments to this account I don't think PRA can do anything except threaten.

[Noah]

Re: PRA Group

It will show assuming it was defaulted in 2012 and not before. The start date should be accurate but you never know.
A telephone app will need a signature but an online one would probably be ok with a tick box and digital signature

- - - Updated - - -

Basa
The op was making payments in 2012 so sadly not SB

[basa48]

Re: PRA Group

............................
The op was making payments in 2012 so sadly not SB

Hopefully the OP might not need that get out if PRA can't get hold of that original Egg Agreement.

Not sure how online applications can be re-created though.

[charitynjw]

Re: PRA Group

[MENTION=41331]JR424[/MENTION]

Have you sent the CCA request yet?

Don't forget the £1 (endorsed 'for statutory use only).

Keep copies of both letter & payment (PO, cheque).

& get proof of posting (ideally SignedFor post)

[Noah]

Re: PRA Group

Hopefully the OP might not need that get out if PRA can't get hold of that original Egg Agreement.

Not sure how online applications can be re-created though.

neither am i but obviously they can be. To me it is just giving the creditors greater opportunity to 'create' what they need

[nemesis45]

Re: PRA Group

@JR424

Have you sent the CCA request yet?

Don't forget the £1 (endorsed 'for statutory use only).

Keep copies of both letter & payment (PO, cheque).

& get proof of posting (ideally SignedFor post)

I agree Charity it is essential at this time to cover ones back when making CCA request, so many " underhand" tricks over not receiving " compliant" requests or fee, and claims that requests should be sent to a different business entity in the same group of companies + the latest everything to go through a solicitor who then has to get his client to request the document from the original creditor all obvious delaying tactics.

nem

[Noah]

Re: PRA Group

From Post 12 it seems that JR is attacking on 2 fronts
1) Response to LBA
2) CCA request

The double response should hopefully keep them tied up , particularly if they only think it is a barclaycard account

[JR424]

Re: PRA Group

Sent Cca with the £1 postal order and other reply To the protocol thingy. Both sent under separate cover and 1st class signed for on sat 24th. So pra will have them today.
Will post replies as soon as I have them, in the meantime thanks guys. JR

[Noah]

Re: PRA Group

I would check the royal mail signed for and print off the proof of deliveries or at least save them on your PC

Personally I use a cloud drive to save all important documents like that
Google gives you 15GB free
One Drive gives you the same I think
iCloud gives you 5GB free
so you can save them in more than one place just in case

[JR424]

Re: PRA Group

Hello.
Had my postal order back today stating they do not require payment and my agreements are being sent from criditor.
Does this mean they are confident of a result or something else.
Thanks.

[charitynjw]

Re: PRA Group

Hello.
Had my postal order back today stating they do not require payment and my agreements are being sent from criditor.
Does this mean they are confident of a result or something else.
Thanks.

IMHO

You have made a lawful request via the Consumer Credit Act 1974; they have no right to knock you back (unless they are intimating that they're not the legal owner of the alleged debt).

[Noah]

Re: PRA Group

Charity
I think we have different understandings

I believe that they are saying they have requested documents for the OC because as we all know debt purchasers do not hold copies of the agreements.

As for the payment, not all debt purchasers require payment for a CCA request , the £1 is the maximum fee the law says they can require. It probably costs them more than that to cash and process the fee

I don't think you can read anything into it as regard how confident they are because they will have no idea what details the OC holds

[nemesis45]

Re: PRA Group

Hello.
Had my postal order back today stating they do not require payment and my agreements are being sent from criditor.
Does this mean they are confident of a result or something else.
Thanks.

I do wonder with this group if they are up to " dirty tricks" and will come up with the Cabot / Reston style " no compliant request and or payment received" as Charity implies beware.

bem

[charitynjw]

Re: PRA Group

Charity
I think we have different understandings

I believe that they are saying they have requested documents for the OC because as we all know debt purchasers do not hold copies of the agreements.

As for the payment, not all debt purchasers require payment for a CCA request , the £1 is the maximum fee the law says they can require. It probably costs them more than that to cash and process the fee

I don't think you can read anything into it as regard how confident they are because they will have no idea what details the OC holds

I do wonder with this group if they are up to " dirty tricks" and will come up with the Cabot / Reston style " no compliant request and or payment received" as Charity implies beware.

bem

Exactly so, nem.

The £1 payment 'seals the deal' & if no compliant documentation is sent within the 12 (+2) days, the agreement is unenforceable until it is complied with

[nemesis45]

Re: PRA Group

Exactly so, nem.

The £1 payment 'seals the deal' & if no compliant documentation is sent within the 12 (+2) days, the agreement is unenforceable until it is complied with

It's so obvious now that the debt purchasers and their minions are trying to pervert attempts to get copies of agreements as they lose so many claims by providing dodgy documents.

nem