JumpyMonkey's UE Diary

[JumpyMonkey]

PRA / MBNA

• Type of account: CC
• Date commenced: 2017 (DESPERATE TIMES BY THIS POINT - I would argue affordability)
• Approx balance: £1500
• Last FULL payment: October 2017
• Last TOKEN payment: September 2020
• Status: Default
• Account owner: PRA


29/04/21 - CCA Request & £1 postal order sent
06/05/21 - Reply from PRA " We have received your correspondence and requested the required information." Account on hold. Postal order returned as PRA do not charge a fee (so what do I do with the 6 returned postal orders??)- Filed
30/05/21 - (letter dated 28/01/21 - they're time travellers!) - Please find enclosed documents (statements, no agreement) - awaiting further documentation therefore currently unenforceable. - FILED :-)
13/04/24 - Letter from PRA “As we have not been able to reach a resolution your account is being transferred to Moorcroft Debt Recovery Ltd - Filed, mainly because I don’t know what to do about it!

so after YEARS PRA have finally transferred the debt. What do we know about Moorcroft? Should I be worried? Only 2y 5months until SB!

[Night Monkey]

Here's what I got from Moorcroft.

In short, half a dozen letters then silence, nothing from November '20.

[Still Waving]

so after YEARS PRA have finally transferred the debt. What do we know about Moorcroft? Should I be worried? Only 2y 5months until SB!

I would wait and see what Moorcroft do send. One step at a time.

[JumpyMonkey]

Message deleted as I can’t even read my own timelines properly!!!!

[JumpyMonkey]

Hi all,

so I should have kept more up to date, however…life!

so my Halifax and Lloyds accounts were sold to Lowell in September 2024. I’ve been ignoring them nicely, however I’ve now had the message from Resolvecall stating they will visit my house. This TERRIFIES me and I also don’t want the neighbours to see.

i tend not to answer the door to anyone anyway, but I’m just really nervous.

what do I do from here? I don’t think I have received the T&Cs from Lloyd’s ever, but I have from Halifax and could do with having them checked.

what timeframes am I looking at for resolvecall to visit and will I have notice or will they just turn up?

if anyone could look at my Halifax T&Cs that would be wonderful!! I’ve taken my foot off the gas and just been coasting with all this ?

[Sparkles]

Resolvecall aren't anything to worry about, they are just postman really have no more power than next doors cat. Just ignore them or ask them to leave.

Niddy used to check CCAs but I don't think is very active now, you could ask on the Legal Beagles forum for advice on the CCA.

If you haven't been provided with the CCA for the Lloyds one then as far as I know that remains unenforceable.