PRA CCA Help

[Diana M]

Re: PRA CCA Help

I can see an error in that Letter Before Claim.

It's one which they could possibly remedy, but if the same error is repeated in the POC (if they do issue a claim) then they will have a problem.

Have they added interest and charges to the original debt of £4k in 2012, and if so have you been told how much?

Did you send a SAR to MBNA as I suggested?

There's more to defeating a claim than the 'quality' of a CCA.

Di

[nemesis45]

Re: PRA CCA Help

letter:

Thanks [MENTION=49370]Kati[/MENTION]

nemxx

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letter:

Thanks [MENTION=49370]Kati[/MENTION]

nemxx

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@nemisis45

Can you assist?

Reading now GW.

nem

[nemesis45]

Re: PRA CCA Help

[QUOTE=nemesis45;692915]Thanks @Kati

nemxx

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It's yet another one of PRA's " we'll make it up as we go along letters.
What do you want to do?

nem






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[pawlik]

Re: PRA CCA Help

I can see an error in that Letter Before Claim.

It's one which they could possibly remedy, but if the same error is repeated in the POC (if they do issue a claim) then they will have a problem.

Have they added interest and charges to the original debt of £4k in 2012, and if so have you been told how much?

Did you send a SAR to MBNA as I suggested?

There's more to defeating a claim than the 'quality' of a CCA.

Di

Sorry wrong post

[pawlik]

Re: PRA CCA Help

Sorry wrong post

[gwkerr]

Re: PRA CCA Help

[MENTION=87380]Diana M[/MENTION] yes I have requested a SAR with MBNA. I have just checked the statements and no charges or interest have been added to the debt.

[gwkerr]

Re: PRA CCA Help

[QUOTE=nemesis45;692918]

Thanks @Kati

nemxx

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It's yet another one of PRA's " we'll make it up as we go along letters.
What do you want to do?

nem






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@nemisis45 do you have a letter I can send an appropriate response?

[Kati]

Re: PRA CCA Help

tagging [MENTION=55034]nemesis45[/MENTION] xx

[nemesis45]

Re: PRA CCA Help

[QUOTE=gwkerr;693918]

@nemisis45 do you have a letter I can send an appropriate response?

Hello GW,

I'll read everything again and put something together for you.

nem

[gwkerr]

Re: PRA CCA Help

[MENTION=1937]nemisis[/MENTION] I sent a Pre Action Letter requesting the documents so no need for letter

[gwkerr]

Re: PRA CCA Help

I've peeked back at your thread.

There's a lot of focus on the fact you applied online. You've been sent a recon of your online application. You've been told it's enforceable.

There's more to enforcing a debt in court then just a credit agreement.

Did MBNA assign this debt directly to Aktiv Kapital before they were taken over by PRA? Or did MBNA assign it to Varde/Experto Credite who assigned it to AK (then PRA)?

Do you recall getting a DN from MBNA?

Do you recall getting a NOA from MBNA/AK (or MBNA/Varde/Exerto Credite if it went that route)? You've not said if they've sent you any NOA (recon or otherwise).

Send a SAR to MBNA to get the full history of this account. The Transaction Log will tell you what did and didn't get sent and on what dates (if at all). You will then be able to cross-check this with any 'recons' which you are sent by PRA (and that includes the CCA sent to you).

Does that recent letter from PRA set a deadline for response after which they will issue legal proceedings without further notice?

Di

[MENTION=61310]diana[/MENTION] I have received the SAR documents from the OC. The documents supplied matches what has been provided to myself in the logs.

[charitynjw]

Re: PRA CCA Help

Hi

I'll give [MENTION=87380]Diana M[/MENTION] a nudge for you.

[Diana M]

Re: PRA CCA Help

I have received the SAR documents from the OC. The documents supplied matches what has been provided to myself in the logs.

Do you mean the dates match (in the Log) or have you received copies of the actual documents? There's a big difference.

In your first post you said the MBNA Default Notice sent to you by PRA was a fake since MBNA had been unable to provide you with a copy.

I contacted MBNA directly regarding the missing default notice and they have been unable to provide me with a copy. I wrote a letter to PRA asking for a copy of assignment, default notice and credit card agreement.

. . . . . . The default notice is a fake as MBNA were unable to provide a copy

Di

[gwkerr]

Re: PRA CCA Help

Do you mean the dates match (in the Log) or have you received copies of the actual documents? There's a big difference.

In your first post you said the MBNA Default Notice sent to you by PRA was a fake since MBNA had been unable to provide you with a copy.



Di

[MENTION=61310]diana[/MENTION]
Apologies for the confusion
I have received the same credit agreement provided by the DCA the logs from SAR show that this had been supplied to the DCA. Terms and Conditions have not been supplied as they are not my personal data but the logs show that these were supplied to the DCA. I will request a copy of these, no default notice supplied as they do not retain a record just a log.

[Diana M]

Re: PRA CCA Help

@diana
Apologies for the confusion
I have received the same credit agreement provided by the DCA the logs from SAR show that this had been supplied to the DCA. Terms and Conditions have not been supplied as they are not my personal data but the logs show that these were supplied to the DCA. I will request a copy of these, no default notice supplied as they do not retain a record just a log.

I'm not confused but you may be

In order to enforce a debt in court the Claimant has to prove (back up) everything they've claimed in the POC.

The only way they can do this is to produce/disclose the relevant documents.

If they haven't got copies of the original documents then they can reconstitute them as long as they can substantiate the source of the information. Trust me, my boss (Joanna Connolly was the lead solicitor on the Carey v HSBC case) knows exactly what passes the 'honest and accurate' test.

So you've received your SAR from MBNA and it's spooked you because at first sight you (not me ) thinks the creditor has the cat in the bag.

If I saw those documents I may not draw the same conclusion as you.

Di