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Hi All
I have been in an ongoing tennis game with letters going back and fourth with regards to an old debt i had with the bank of scotland (Credit Card)
I have sent the usual CCA request to the PRA Group and have received the following
A signed credit agreement
A notification of assignment - (showing PRA Group as holders of the debt from July 2014)
A statement of account up to March 2011
However the statement of account is where I have the issue, they only provided me with a credit card statement up to March 2011, the total they are chasing is lower than the one issued on the statement.
I know this should the case as I was using a debt management company (Compass) to handle the account, and they issued payment of £6.49 a month, Compass ironically went under in April 2014, taking my debt savings and no more payments were made to PRA Group.
My point is PRA group have only produced a official statement up to 2011, and only provided a spreadsheet on business paper showing payment of £6.49 made a month. There is no official statement showing these payments were made by Compass and especially nothing to indicate compass was acting on my behalf.
I am assuming that if PRA group cannot prove the £6.49 payments are made on my behalf, the debt can be classed as Statute Barred as officially my last payment to Bank of scotland would of been in 2011
I have attached the last letter from PRA which includes a sample of the statement they provided (which anyone could knock up on excel). Am I ok to challenge this statement and ask for proof of who paid the £6.49 and confirm documents stating on who's behalf the payments were made?
Blanked statement letter 16102018.pdf
Any help on this is appreciated
Thanks
I have been in an ongoing tennis game with letters going back and fourth with regards to an old debt i had with the bank of scotland (Credit Card)
I have sent the usual CCA request to the PRA Group and have received the following
A signed credit agreement
A notification of assignment - (showing PRA Group as holders of the debt from July 2014)
A statement of account up to March 2011
However the statement of account is where I have the issue, they only provided me with a credit card statement up to March 2011, the total they are chasing is lower than the one issued on the statement.
I know this should the case as I was using a debt management company (Compass) to handle the account, and they issued payment of £6.49 a month, Compass ironically went under in April 2014, taking my debt savings and no more payments were made to PRA Group.
My point is PRA group have only produced a official statement up to 2011, and only provided a spreadsheet on business paper showing payment of £6.49 made a month. There is no official statement showing these payments were made by Compass and especially nothing to indicate compass was acting on my behalf.
I am assuming that if PRA group cannot prove the £6.49 payments are made on my behalf, the debt can be classed as Statute Barred as officially my last payment to Bank of scotland would of been in 2011
I have attached the last letter from PRA which includes a sample of the statement they provided (which anyone could knock up on excel). Am I ok to challenge this statement and ask for proof of who paid the £6.49 and confirm documents stating on who's behalf the payments were made?
Blanked statement letter 16102018.pdf
Any help on this is appreciated
Thanks
