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Hi,
Having recently followed advice on the legal beagle to request CCA agreements from my DCA’s, I received a response letter from PRA group who own 4 of 5 of my debts. The other debt is with a company called Intrum but I have had no response from them yet.
One of the responses was for an overdraft which they have informed me they don’t have to provide a CCA for. I expected this and assume I’ will have to continue to make payments through my DMP for this one.
The others are for credit cards and a bank loan, and they have informed me that the accounts are on hold as they haven’t been able to obtain the original CCA in time, but that they are still trying to obtain them and have the option to produce a reconstituted CCA which would render the account enforceable again. PRA have since sent me some information regarding a Barclays Credit Card Debt but have informed me the debt remains unenforceable?
CCA requests sent to all DCA’s on 01/02/21 - PRA responses received 11/02/21 and the 18/02/21.
It may be worth mentioning that I have moved address since taking out the original debts, and their letter states the reconstituted agreement must include the address I was at when I first took out the agreement.
What would be the best next steps from here? My initial plan was to check to see where I stood with each of my debts and try to reach a low settlement agreement for the debts deemed unenforceable after approximately 2 months from the date I sent the initial request. So I’’m looking at the end of March 2021 before calling to negotiate a settlement figure.
Thank You,
Kind Regards
Having recently followed advice on the legal beagle to request CCA agreements from my DCA’s, I received a response letter from PRA group who own 4 of 5 of my debts. The other debt is with a company called Intrum but I have had no response from them yet.
One of the responses was for an overdraft which they have informed me they don’t have to provide a CCA for. I expected this and assume I’ will have to continue to make payments through my DMP for this one.
The others are for credit cards and a bank loan, and they have informed me that the accounts are on hold as they haven’t been able to obtain the original CCA in time, but that they are still trying to obtain them and have the option to produce a reconstituted CCA which would render the account enforceable again. PRA have since sent me some information regarding a Barclays Credit Card Debt but have informed me the debt remains unenforceable?
CCA requests sent to all DCA’s on 01/02/21 - PRA responses received 11/02/21 and the 18/02/21.
It may be worth mentioning that I have moved address since taking out the original debts, and their letter states the reconstituted agreement must include the address I was at when I first took out the agreement.
What would be the best next steps from here? My initial plan was to check to see where I stood with each of my debts and try to reach a low settlement agreement for the debts deemed unenforceable after approximately 2 months from the date I sent the initial request. So I’’m looking at the end of March 2021 before calling to negotiate a settlement figure.
Thank You,
Kind Regards
