whoknowswho vs PRA Group/Barclaycard Credit Card Account - Help needed guys please

[whoknowswho]

Hello Fellow Beagles,

I am new here guys so apologies in advance if I am not posting within the rules or anything it is not my intention to offend.

I have recently started receiving correspondence from our friends at PRA Group who have bought a credit card debt from Barclaycard that belongs to me.

Until recently I had an arrangement to pay a nominal fee to barclay card as I fell into financial hardship but I presume they wanted the debt off their P+L so therefore sold it to PRA.

I recently sent a CCA request to PRA (thanks curlyben) and have included both my letter to them requesting this and their response to it on this post.

I am a complete novice if I am honest and I feel way out of my depth so really would appreciate some help on how to deal with these people and what to do next from the lovely people on this forum (flutters eyelashes).

Strangely the response letter from PRA to my CCA request is dated 26/04/16 despite me only sending the request on 24/05/16 does this have any relevance or is there an angle here for me?

Anyway the response seems a little strange and I have to admit I am a little unsure on some of the jargon and terminology in the letter so could really do with some help on this and how to go forward?

Accordingly to the response letter my account is on hold but goes on to say that they do not have to provide a "certified copy of the deed of assignment or deed or novation as these documents include sensitive commercial information in relation to our business"

Is this allowed or should I challenge this?

I am going to need my hand held on this one folks please help

[whoknowswho]

Re: whoknowswho vs PRA Group/Barclaycard Credit Card Account - Help needed guys pleas

Hi can anyone help?

[R0b]

Re: whoknowswho vs PRA Group/Barclaycard Credit Card Account - Help needed guys pleas

@ I've tagged Nemesis45 for help on the debt side of things.

As for the Novation and Assignment, whilst is is classed as commercial and sensitive information such as the price paid etc. If you raise the issue in court questioning their right to bring a claim, they will have to produce some kind of evidence and it will usually be the assignment agreement and notice of assignment to yourself, albeit the deed of assignment will probably be redacted.

So at this present, time you are unlikely to be able to get hold of that information although if it did go to court, assuming their particulars will state it was assigned then you could ask for a redacted copy confirming they have standing to bring a claim.

[Kati]

Re: whoknowswho vs PRA Group/Barclaycard Credit Card Account - Help needed guys pleas

tagging [MENTION=6]Amethyst[/MENTION] [MENTION=2]Celestine[/MENTION] ... any ideas??

[Amethyst]

Re: whoknowswho vs PRA Group/Barclaycard Credit Card Account - Help needed guys pleas

The reply will be because you included this within your letter

Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

and

3. Copy of the executed deed of assignment from (original creditor) and (DCA)

Also seems to be quite an old letter as it includes reference to criminal offences

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

which was removed from the act in 2006.

You wouldn't happen to have a record of where you found that letter please, as I'll need to make sure it is updated.

So putting that to one side, the response is fine - they have your formal CCA request and have put your account on hold while they sort out the docs.

[nemesis45]

Re: whoknowswho vs PRA Group/Barclaycard Credit Card Account - Help needed guys pleas

Hello Fellow Beagles,

I am new here guys so apologies in advance if I am not posting within the rules or anything it is not my intention to offend.

I have recently started receiving correspondence from our friends at PRA Group who have bought a credit card debt from Barclaycard that belongs to me.

Until recently I had an arrangement to pay a nominal fee to barclay card as I fell into financial hardship but I presume they wanted the debt off their P+L so therefore sold it to PRA.

I recently sent a CCA request to PRA (thanks curlyben) and have included both my letter to them requesting this and their response to it on this post.

I am a complete novice if I am honest and I feel way out of my depth so really would appreciate some help on how to deal with these people and what to do next from the lovely people on this forum (flutters eyelashes).

Strangely the response letter from PRA to my CCA request is dated 26/04/16 despite me only sending the request on 24/05/16 does this have any relevance or is there an angle here for me?

Anyway the response seems a little strange and I have to admit I am a little unsure on some of the jargon and terminology in the letter so could really do with some help on this and how to go forward?

Accordingly to the response letter my account is on hold but goes on to say that they do not have to provide a "certified copy of the deed of assignment or deed or novation as these documents include sensitive commercial information in relation to our business"

Is this allowed or should I challenge this?

I am going to need my hand held on this one folks please help

Hi,
I'm sorry your posts have been missed it's been a busy period.

I will read through your attachments and get back to you asap.

nem

[charitynjw]

Re: whoknowswho vs PRA Group/Barclaycard Credit Card Account - Help needed guys pleas

Have you received a Notice of Assignment? (Usually a letter from the assignor (B/C) or the assignee (PRA)....or sometimes both.....informing you that the alleged debt has been sold)