Help and advice please - PRA Group

[Paula25]

Re: Help and advice please - PRA Group

Hi

Yes that one page was all they sent in the way of my agreement. I have removed my name and address from it and i did tick the PPI box as I remember i received PPI reclaim a few years back for a few hundred pounds. They have also along with this sent me various statements which look to be in order. Also on top of this the solicitor has sent me a copy of a letter from Aktiv Kapital to myself advising me that they have purchased the debt from MBNA (which I may have received but don't remember).

[nemesis45]

Re: Help and advice please - PRA Group

Hi

Yes that one page was all they sent in the way of my agreement. I have removed my name and address from it and i did tick the PPI box as I remember i received PPI reclaim a few years back for a few hundred pounds. They have also along with this sent me various statements which look to be in order. Also on top of this the solicitor has sent me a copy of a letter from Aktiv Kapital to myself advising me that they have purchased the debt from MBNA (which I may have received but don't remember).

The agreement is short on Ts & C's for a start.

nem

[Paula25]

Re: Help and advice please - PRA Group

Is this something I need to go back to them on and request?

[nemesis45]

Re: Help and advice please - PRA Group

Is this something I need to go back to them on and request?

If they start a claim at a later date then a further request could be made,
What you have is not complaint so don't bother now.4

nem

[Paula25]

Re: Help and advice please - PRA Group

You may feel as if you don't have a Defence but at the moment PRA have not complied with your CCA Request so the debt is unenforceable until or unless they do. That would be your Defence at this moment in time.

Who are the solicitors who are making you feel so unnecessarily vulnerable?

Di

It is McManus Kearney, local solicitors here in Belfast

[Diana M]

Re: Help and advice please - PRA Group

It is McManus Kearney, local solicitors here in Belfast

I tend not to ignore letters from a solicitor unless 100% certain that the credit agreement is irredeemably unenforceable and that any current errors cannot be remedied later down the line with an acceptable reconstituted version.

I'm not sure whether this forum has a template letter to send in response to a Letter Before Claim from a solicitor. From what you've posted you may have received a LBA with a deadline of this Friday. Does the letter actually say they will issue or only that they may issue?

The letter they enclosed with your paperwork sounds like a Notice of Assignment from MBNA to Aktiv Kapital. They will need to provide the Default Notice too.

I have received further paperwork from solicitors sending me what PRA had already sent me, the CCA and the copies of statements advising that I need to . . . . . before this Friday or they will issue court claim.

Di

[Paula25]

Re: Help and advice please - PRA Group

I tend not to ignore letters from a solicitor unless 100% certain that the credit agreement is irredeemably unenforceable and that any current errors cannot be remedied later down the line with an acceptable reconstituted version.

I'm not sure whether this forum has a template letter to send in response to a Letter Before Claim from a solicitor. From what you've posted you may have received a LBA with a deadline of this Friday. Does the letter actually say they will issue or only that they may issue?

The letter they enclosed with your paperwork sounds like a Notice of Assignment from MBNA to Aktiv Kapital. They will need to provide the Default Notice too.



Di

Thanks so much for all your advice thus far. For info I have attached the letter, obviously deleting out any contact info on there. If it is a LBA then it is my second one as the first letter they sent in September indicated litigation also, which is what prompted me to request the CCA/Default notice/notice of assignment etc