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Hi all anybody had any dealings with this lot at PRA GROUP BUCHANAN CLARK AND WELLS HAVE RETURNED IT TO THEM funny I ain't heard of them before
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at the start of this journey i owed
£52000.00 UNSECURED £5000.00 SECURED
£0000.00 secured debt as of 17/12/2010 fingers crossed
on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
as of 17/03/13 its now £26K AND £15K UE
ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE -
Re: PRA Group
Originally posted by Wishfull View Post
Have you just received a (first?) letter from PRA in relation to this debt?
Maybe you could tell us roughly what it says so we can guide you from hereon.
I'll take a peek at your diary to see the background of this MBNA account so far. If you could post a link to your diary on this thread with the history that would be helpful.
When you say Buchanan Clark Wells "returned" it to PRA can you clarify if BCW were instructed by PRA or did a previous debt purchaser instruct BCW or maybe MBNA instructed BCW?
Plan B x -
Re: PRA Group
Is it this MBNA account (UE Diary last updated 13th July 2012) which was possibly sold to Arrow http://forums.all-about-debt.co.uk/s...l=1#post210006
or is it this MBNA account (UE Diary last updated 14th July 2012) which was sold to Varde/Experto Credite which is more likely to have been sold on to Aktiv Kapital and then assigned to PRA http://forums.all-about-debt.co.uk/s...l=1#post210557
When did you last make a payment to either of these accounts? Your diary entry suggests you were paying token payments to both in 2012.
Plan B xComment
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Re: PRA Group
It is the second one it is the second one I have never had dealings with this new lot but I am still paying a pound a month on it letter just says stop paying the old lot and start paying us basicallyOriginally posted by PlanB View Postat the start of this journey i owed
£52000.00 UNSECURED £5000.00 SECURED
£0000.00 secured debt as of 17/12/2010 fingers crossed
on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
as of 17/03/13 its now £26K AND £15K UE
ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFEComment
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Re: PRA Group
I'm gonna hit them with a cca request as the last lot couldn't find itat the start of this journey i owed
£52000.00 UNSECURED £5000.00 SECURED
£0000.00 secured debt as of 17/12/2010 fingers crossed
on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
as of 17/03/13 its now £26K AND £15K UE
ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFEComment
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Re: PRA Group
Originally posted by Wishfull View Post
Maybe don't do that (new CCA request) until we've had time to explore this situation a little bit more for you. A new CCA request may not be the right 'quick fix'.
If you've already got a CCA request 'in default' then it may/may not be better to leave that non compliance issue on the file.
A lot depends on what letters you are or have been sending/receiving etc. There's nothing posted on your diary since 2012 (unless I'm wrong).
Can you provide a little more information please.
Plan B xComment
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Re: PRA Group
I've looked back through your diary and can see you sent a CCA Request in 2010. Was it
If you've still got those CCA documents sent by MBNA why not send them to Niddy to double check everything so you can decide the way forward. Although it looks as if you may have sent a second CCA Request to Experto Credite, is that right?
Plan B xComment
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Re: PRA Group
Yes I sent one to experto and they just kept replying we are still trying to find it
Niddy has seen it and was on the fence as he said it depended what was on page two but they have never been able to find page two so I just kept paying the pound a month to keep them at arms length give me time to sort the rest outat the start of this journey i owed
£52000.00 UNSECURED £5000.00 SECURED
£0000.00 secured debt as of 17/12/2010 fingers crossed
on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
as of 17/03/13 its now £26K AND £15K UE
ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFEComment
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Re: PRA Group
It's currently
Reason? They're in default of your s.78 request so can't enforce.
It'll never go SB if you're paying £1pm
ps - Don't send a new CCA - they are in default which makes the agreement UE.I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: PRA Group
After reading this I stopped paying it and it's doing the rounds again will post details ASAP when I find all the paperworkat the start of this journey i owed
£52000.00 UNSECURED £5000.00 SECURED
£0000.00 secured debt as of 17/12/2010 fingers crossed
on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
as of 17/03/13 its now £26K AND £15K UE
ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFEComment
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Re: PRA Group
Have you found the paperwork for this debt yetOriginally posted by Wishfull View Post
PRA don't usually stay quiet for long.
It's UE but they don't know that - or maybe they do and have decided not to go on the attack.
Their litigation team are now in-house so it's not always obvious what they're planning when you read their letters.
An update would be helpful, if you need any help that is.
DiComment
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Re: PRA Group
Well Experto Credite are never going to find page two now that they have gone into voluntary liquidation with their accounts overdue shortly before ChristmasOriginally posted by Wishfull View Post
https://beta.companieshouse.gov.uk/c...filing-history
DiComment
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