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PRA Group, no Credit agreement

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  • PRA Group, no Credit agreement

    I sent in a CCA request 2 years ago to Aktiv Kapital now PRA Group, they told me they could not obtain the documents from the other DC who they purchased this debt from a couple of months prior to that and that the account would be put on hold until such time they find the CA, the debt is for a Lloyds credit card with about 4200 owing, it was taken out 13 years ago.
    Today I received a letter threatening litigation if I do not pay up or make arrangements to pay monthly, they have given me 14 days to respond or else!!!! there is still no mention of the credit agreement!

    What action can they take against me?
    Should I just ignore them?
    Should I be worried?

    Thanks in advance:tinysmile_twink_t2:
    Tags: None

  • #2
    PRA Group, no Credit agreement

    I sent in a CCA request 2 years ago to Aktiv Kapital now PRA Group, they told me they could not obtain the documents from the other DC who they purchased this debt from a couple of months prior to that and that the account would be put on hold until such time they find the CA, the debt is for a Lloyds credit card with about 4200 owing, it was taken out 13 years ago.
    Today I received a letter threatening litigation if I do not pay up or make arrangements to pay monthly, they have given me 14 days to respond or else!!!! there is still no mention of the credit agreement!

    What action can they take against me?
    Should I just ignore them?
    Should I be worried?

    Thanks in advance:tinysmile_twink_t2:

    Comment


    • #3
      Re: PRA Group, no Credit agreement

      Originally posted by barney47 View Post
      I sent in a CCA request 2 years ago to Aktiv Kapital now PRA Group, they told me they could not obtain the documents from the other DC who they purchased this debt from a couple of months prior to that and that the account would be put on hold until such time they find the CA, the debt is for a Lloyds credit card with about 4200 owing, it was taken out 13 years ago.
      Today I received a letter threatening litigation if I do not pay up or make arrangements to pay monthly, they have given me 14 days to respond or else!!!! there is still no mention of the credit agreement!

      What action can they take against me?
      Should I just ignore them?
      Should I be worried?

      Thanks in advance:tinysmile_twink_t2:
      Hi,

      Q1, Issue a County Court Claim. PRA has a host of debt inherited from AK and they have no idea of the status of these debts.

      Q2. NO.

      Q3. No.

      I'm afraid you need to start the CCA process again, ( template in the Green Box above) Use a Postal Order for the 1 fee, mark it clearly " For Statute Fee Only" make a copy and keep for your records.
      Use signed for post and check and print out delivery date and signature.

      nem

      Comment


      • #4
        Re: PRA Group, no Credit agreement

        Originally posted by barney47 View Post
        I sent in a CCA request 2 years ago to Aktiv Kapital now PRA Group, they told me they could not obtain the documents from the other DC who they purchased this debt from a couple of months prior to that and that the account would be put on hold until such time they find the CA, the debt is for a Lloyds credit card with about 4200 owing, it was taken out 13 years ago.
        Today I received a letter threatening litigation if I do not pay up or make arrangements to pay monthly, they have given me 14 days to respond or else!!!! there is still no mention of the credit agreement!

        What action can they take against me?
        Should I just ignore them?
        Should I be worried?

        Thanks in advance:tinysmile_twink_t2:
        Hi Barney,

        You seem to have 2 threads on the same subject please keep to one as it causes confusion.

        I have replied on the other one.

        nem

        Comment


        • #5
          Re: PRA Group, no Credit agreement

          Thanks Nem will fire a request off in the morning

          Comment


          • #6
            Re: PRA Group, no Credit agreement

            Thanks both of you, a CCa request was sent recorded and signed for this morning so I wait for a reply, I will post again on here when or if it happens!!

            Comment


            • #7
              Re: PRA Group, no Credit agreement

              Need some help here, I sent a CCA request to PRA Group on 15th June, they sent me a threatening letter back today about the debt is now in the hands of their litigation department and its going to court if I dont pay up with no mention of the CCA request , I can post a copy on here if thats any help?

              Comment


              • #8
                Re: PRA Group, no Credit agreement

                Originally posted by barney47 View Post
                Need some help here, I sent a CCA request to PRA Group on 15th June, they sent me a threatening letter back today about the debt is now in the hands of their litigation department and its going to court if I dont pay up with no mention of the CCA request , I can post a copy on here if thats any help?
                Hi barney

                They have 12 days (+2 for post) to come up with the goods.
                CAVEAT LECTOR

                This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                You and I do not see things as they are. We see things as we are.
                Cohen, Herb


                There is danger when a man throws his tongue into high gear before he
                gets his brain a-going.
                Phelps, C. C.


                "They couldn't hit an elephant at this distance!"
                The last words of John Sedgwick

                Comment


                • #9
                  Re: PRA Group, no Credit agreement

                  Originally posted by charitynjw View Post
                  Hi barney

                  They have 12 days (+2 for post) to come up with the goods.
                  This is why I dont understand the reason for threatening me with court action before that time is even up.

                  Comment


                  • #10
                    Re: PRA Group, no Credit agreement

                    Have you checked with Royal Mail for signed delivery of the CCA request?
                    CAVEAT LECTOR

                    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                    You and I do not see things as they are. We see things as we are.
                    Cohen, Herb


                    There is danger when a man throws his tongue into high gear before he
                    gets his brain a-going.
                    Phelps, C. C.


                    "They couldn't hit an elephant at this distance!"
                    The last words of John Sedgwick

                    Comment


                    • #11
                      Re: PRA Group, no Credit agreement

                      Originally posted by charitynjw View Post
                      Have you checked with Royal Mail for signed delivery of the CCA request?
                      No I havnt.....I had better do that on Monday

                      Comment


                      • #12
                        Re: PRA Group, no Credit agreement

                        LOL! sorry theres been a communication breakdown between my wife and I, they have acknowledged receipt of the CCA request and sent the 1 back a week ago, so I am still at a loss as to why the threatening letter!!

                        Comment


                        • #13
                          Re: PRA Group, no Credit agreement

                          Originally posted by barney47 View Post
                          LOL! sorry theres been a communication breakdown between my wife and I, they have acknowledged receipt of the CCA request and sent the 1 back a week ago, so I am still at a loss as to why the threatening letter!!

                          Have you stated on here what this alleged debt is for? (Credit card, loan, o/draft etc}

                          Update
                          Sorry, just seen credit card.
                          CAVEAT LECTOR

                          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                          You and I do not see things as they are. We see things as we are.
                          Cohen, Herb


                          There is danger when a man throws his tongue into high gear before he
                          gets his brain a-going.
                          Phelps, C. C.


                          "They couldn't hit an elephant at this distance!"
                          The last words of John Sedgwick

                          Comment


                          • #14
                            Re: PRA Group, no Credit agreement

                            It was for a credit card from 17 years ago, i was making payments to BlairOliver and Scott but when Aktiv Kapital bought the debt I sent in a CCa request, this was 3 years ago! they did reply back then saying the CA could not be found but now PRA GRoup who owned Aktiv are getting very threatening so I sent them a CCA request a week ago.....this is as far as its got untill the letter of court action today.

                            Comment


                            • #15
                              Re: PRA Group, no Credit agreement

                              If the alleged debt is SB, they still seem to chase it unless you inform them of the fact.
                              Have you sent them an SB letter?
                              CAVEAT LECTOR

                              This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                              You and I do not see things as they are. We see things as we are.
                              Cohen, Herb


                              There is danger when a man throws his tongue into high gear before he
                              gets his brain a-going.
                              Phelps, C. C.


                              "They couldn't hit an elephant at this distance!"
                              The last words of John Sedgwick

                              Comment

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