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  • #31
    Originally posted by Greybeard View Post
    Hi All, so the day before I go on holiday and what should come through the letterbox... LBC from PRA no surprise really I'd been expecting it.

    Some advice on how to proceed please. Debt is £2950 and I have been sent some statements (just those relating to PRA) and a credit agreement that Niddy said was enforceable.

    TIA

    Send me an email using di@joannaconnolly.co.uk

    You have 30 days to reply to a Letter of Claim so it's not urgent unless you’ll be on holiday for a month.

    Di
    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #32
      I'll be back by Thursday and have 30 days.

      Comment


      • #33
        Originally posted by Greybeard View Post
        • MBNA Credit Card
        • 2009
        • 3K
        • 2012
        • DMP £30/mth
        • Defaulted (over 6 years)
        • PRA
        05/02/19 CCA requested
        05/02/19 All PAYMENTS STOPPED
        14/02/19 Statements received
        25/02/19 Copy of credit agreement received which Niddy says is enforceable. Letter asked for me to make contact within 10 days but have so far ignored it and no contact has been received from them either which is interesting as they would appear to have provided everything under the CCA request.

        29/04/19 Still not heard anything from PRA and have not paid anything for 2 months now.

        I assume that PRA’s Letter of Claim is for this ex-MBNA credit card?

        Ive had a quick look back through your thread and I can see that it was assigned to Aktiv Kapital before PRA so they would need to prove both assignments.

        Di
        Legal Disclaimer

        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

        Comment


        • #34
          Originally posted by Greybeard View Post
          I'll be back by Thursday and have 30 days.

          That’s fine - email me before you go if you have the time.

          Di
          Legal Disclaimer

          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

          Comment


          • #35
            Thanks Di,

            Literally about to leave to get the train so I'll contact you on my return.

            Comment


            • #36
              Originally posted by Greybeard View Post
              Thanks Di,

              Literally about to leave to get the train so I'll contact you on my return.
              Enjoy your holiday, and we’ll be in touch when you’re back.

              Put PRA out of your mind until then.

              Di
              Legal Disclaimer

              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              Comment


              • #37
                Thanks for this thread

                Comment


                • #38
                  • Barclaycard/Goldfish Credit Card
                  • 2005
                  • 7K
                  • 2012
                  • DMP £70/mth
                  • Defaulted (over 6 years)
                  • Link
                  05/02/19 CCA requested
                  05/02/19 All PAYMENTS STOPPED
                  29/03/19 Received 12 letters! with a statement for a 6 month period in each to cover the last 6 years.
                  29/04/19 No further contact and no credit agreement received
                  02/10/19 Letter received from Link saying Barclaycard have confirmed they are unable to comply with CCA request so currently

                  Comment


                  • #39
                    • MBNA Credit Card
                    • 2009
                    • 3K
                    • 2012
                    • DMP £30/mth
                    • Defaulted (over 6 years)
                    • PRA
                    05/02/19 CCA requested
                    05/02/19 All PAYMENTS STOPPED
                    14/02/19 Statements received
                    25/02/19 Copy of credit agreement received which Niddy says is enforceable. Letter asked for me to make contact within 10 days but have so far ignored it and no contact has been received from them either which is interesting as they would appear to have provided everything under the CCA request.

                    29/04/19 Still not heard anything from PRA and have not paid anything for 2 months now.

                    09/09/19 LBC received
                    01/10/19 SAR sent to MBNA

                    Comment


                    • #40
                      • Halifax Credit Card
                      • 1991
                      • 9K
                      • 2012
                      • DMP £80/mth
                      • Defaulted (over 6 years)
                      • Lowell-managed by Moorcroft Debt Recovery
                      05/02/19 CCA request sent
                      05/02/19 All PAYMENTS STOPPED
                      29/04/19 Letter received from Moorcroft stating that Lowell are unable to provide a copy of credit agreement so that's a bonus! They're asking me to call them to arrange a payment plan though because they believe the outstanding balance to be 'correctly due'.
                      Filed and ignored


                      31/07/19 Letter from Lowell saying that they are unable to provide copies of agreement or statements due to the amount of time passed.But they still consider the balance to be owing.

                      Comment


                      • #41
                        Originally posted by Greybeard View Post
                        • Barclaycard/Goldfish Credit Card
                        • 2005
                        • 7K
                        • 2012
                        • DMP £70/mth
                        • Defaulted (over 6 years)
                        • Link
                        05/02/19 CCA requested
                        05/02/19 All PAYMENTS STOPPED
                        29/03/19 Received 12 letters! with a statement for a 6 month period in each to cover the last 6 years.
                        29/04/19 No further contact and no credit agreement received
                        02/10/19 Letter received from Link saying Barclaycard have confirmed they are unable to comply with CCA request so currently

                        That's good to hear, especially since you were considering a F & F settlement with Link earlier in the year.

                        Never underestimate the power of a s77-79 CCA Request

                        Di
                        Legal Disclaimer

                        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                        Comment

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