Jack89 court case

[Diana M]

Re: PRA Group for Ex MBNA Debt - CCJ Claim Form - Received Today 23.02.17 - Issue Dat

the letter I have recieved says they have had a response from Varde Experto and that due to the age of the account they are currently unable to provide copies of my orginal agreement or any Statements.

My point was that Varde was not a 'credit giver' so they would not have your credit agreement unless MBNA gave it to them which I doubt unless you sent a CCA Request to Experto Credite at some stage?

Also Experto Credit went into voluntary liquidation just before last Christmas so I'm surprised to learn that PRA claim they are currently in touch with them.

https://beta.companieshouse.gov.uk/c...filing-history

Would you be kind enough to post up a redacted copy of that letter so I can see the exact wording?

I'm not being nit-picky - I do have a good reason for asking (ongoing research) but I'm not saying why at this point in time.

Di

[jack89]

Re: Jack89 court case

HI I am really struggling to post the letter I keep getting blocked

[charitynjw]

Re: Jack89 court case

You can email to Kati.

I can be emailed if you need my help loading pictures/documents to your thread. My email address is

kati@legalbeagles.info

But please include a link to your thread so I know who you are.

[suffering]

Re: Jack89 court case

For them to admit at this stage the debt is unenforceable suggests to me they may have lost a previous case???

[jack89]

Re: Jack89 court case

Hi I have just emailed the Letter to Kati , it is really interesting what is going on.

[PC Pilot]

Re: Jack89 court case

Hi Jack,

I was pleased to hear your news from PRA that your debt is unenforceable (assuming that this turns out to be true).......you must be sooo relieved .......keeping my fingers crossed for you!

My situation is clearly more advanced given that these idiots have already initiated the CCJ. I am so angry about their underhand tactics especially as I have never missed the £1 payment and the 'default' is purely because the payments are still (as of Friday) being returned.....how can this even be a default, let alone warrant a CCJ? Keep an eye on my thread for any developments

I will continue to look in on how your case progresses.....maybe some of the actions may assist me in due course.

Anyway, delighted that things appear on the up for you....

Best wishes for a speedy, final debt dismissed outcome!!!

PC Pilot

[charitynjw]

Re: Jack89 court case

What they appear to have said is

They say if I dont get it after 12 working days, the debt will be classified as Unenforcable until they do get me the Information

[jack89]

Re: Jack89 court case

Thank you for your kind words . I hope you get it sorted.

[Kati]

Re: Jack89 court case

....

[Diana M]

Re: Jack89 court case

I have just emailed the Letter to Kati , it is really interesting what is going on.

Thank you for that.

It is indeed interesting as I thought it would be.

It states that Varde Experto don't have the credit agreement but it doesn't say why they didn't ask MBNA for it since they are the original creditor.

I wonder if this is an isolated letter or even an error/typo or whether it's a new 'trend'.

What's the date on that letter (PM me with it if you prefer)?

Di

[Diana M]

Re: Jack89 court case

For them to admit at this stage the debt is unenforceable suggests to me they may have lost a previous case???

No Comment

Di

[jack89]

Re: Jack89 court case

hi the lettter was sent on 28th Feb, I Can supply all letters I have had from them, It will be intersting to see what they do on the 14th if they phone I wil do them for harresment as I have asked them never to phone me.

[Diana M]

Re: Jack89 court case

It will be intersting to see what they do on the 14th if they phone I wil do them for harresment as I have asked them never to phone me.

Pick your battles wisely unless you want them to issue a claim!

Di

[jack89]

Re: Jack89 court case

Hi so am i in trouble I think I might offer them £1000 TO GO AWAY

[Diana M]

Re: Jack89 court case

so am i in trouble I think I might offer them £1000 TO GO AWAY

Of course you're not in trouble.

I'm trying to keep you out of trouble by saying don't provoke them into issuing a claim unless you're 110% certain you have a cast iron Defence.

Thats not been established yet if ever.

How much is PRA chasing you for?

Di