Announcement

Collapse
No announcement yet.

Gwlads UE Diary

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #31
    Letter received from PRA in reply to my LBA . They are sorry about my complaont and it is being investigated by their complaints department and all collection activities on hold. Are these people real they received my letter on 16th October and still issued claim on 17th. I will be keeping to court's deadline.

    Comment


    • #32
      Sounds as if they issued a bulk load of claims and had not processed your letter before they did so. Definately stick to the court deadlines, the last thing you want is a default judgement. Good luck with it
      When you have nothing you have nothing to lose

      Comment


      • #33
        keep us updated
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • #34
          Thanks both AOS completed Thursday CPR 31 going Monday will keep updating

          Comment


          • #35
            send Recorded Delivery
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • #36
              Hi All

              I have an update on the claim. Thanks to Joanna Connolly and Diana May-hew the claim has been discontinued. I have also received a letter off PRA after complaining about their behavior during collection activities - they have written the debt off and awarded me 150 compensation. All in all a very good outcome.

              Many thanks to all who advised and thanks to this forum. Without this forum I wouldn't have had a clue about enforceability etc.

              Happy Christmas to you all

              Comment


              • #37
                Well done to all

                Comment


                • #38
                  Congratulations to all involved, that must be a lovely christmas present
                  When you have nothing you have nothing to lose

                  Comment


                  • #39
                    Originally posted by gwlad View Post
                    I have an update on the claim. Thanks to Joanna Connolly and Diana May-hew the claim has been discontinued. I have also received a letter off PRA after complaining about their behavior during collection activities - they have written the debt off and awarded me 150 compensation.
                    Winning is always nice but getting 150 compensation on top is even nicer.

                    Definitely a Christmas bonus

                    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. 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


                    • #40
                      Originally posted by gwlad View Post
                      M and S
                      • Loan
                      • Date commenced: 2000
                      • Approx balance-8000
                      • Date last paid -July 2002
                      • Are you on arrangement or not paying:-stopped paying DMP August 2016
                      • Status-previous default that has now dropped off credit report
                      • Account owner-HPH2 - RW Agents


                      This debt has a CCJ from 2004 and a restriction on my property by the OC. However on investigation M and S have sold the debt but RW have not replaced their name on either the CCJ or CO. I think they will need to go to court for this. The CCJ was a judgement forthwith I believe as M and S just wanted to get the debt secured via a CO(its is however a restriction as debt in my name house jointly owned) . I wasn't ordered to pay any installments by the court - my DMP sorted out monthly payments which varied up/down annually. Have had a few lame letters off RW and a few calls but nothing much. I have rang M and S as I am not happy that I have a restriction on my property saying I owe them money but they have sold the debt. They told me they will remove the restriction if RW contact them to say the debt has been settled. I don't agree with this as its their problem if they sold it on incorrectly. I have received no notices of assignment and there are none in the SAR I received off M and S. Can anyone offer any advise please on this.
                      January 2019 notice of assignment received from Hoist HPH2 to Hoist UK - other than that not a lot from them. Really want to get this restriction removed as need to remortgage - any suggestions

                      Comment


                      • #41
                        Originally posted by gwlad View Post
                        M and S
                        • Loan
                        • Date commenced: 2000
                        • Approx balance-8000
                        • Date last paid -July 2002
                        • Are you on arrangement or not paying:-stopped paying DMP August 2016
                        • Status-previous default that has now dropped off credit report
                        • Account owner-HPH2 - RW Agents


                        This debt has a CCJ from 2004 and a restriction on my property by the OC. However on investigation M and S have sold the debt but RW have not replaced their name on either the CCJ or CO. I think they will need to go to court for this. The CCJ was a judgement forthwith I believe as M and S just wanted to get the debt secured via a CO(its is however a restriction as debt in my name house jointly owned) . I wasn't ordered to pay any installments by the court - my DMP sorted out monthly payments which varied up/down annually. Have had a few lame letters off RW and a few calls but nothing much. I have rang M and S as I am not happy that I have a restriction on my property saying I owe them money but they have sold the debt. They told me they will remove the restriction if RW contact them to say the debt has been settled. I don't agree with this as its their problem if they sold it on incorrectly. I have received no notices of assignment and there are none in the SAR I received off M and S. Can anyone offer any advise please on this.
                        January 2019 notice of assignment received from Hoist HPH2 to Hoist UK - other than that not a lot from them. Really want to get this restriction removed as need to remortgage - any suggestions

                        Comment

                        Who's Viewing Thread: 1 (0 members and 1 guests)
                        Who's Viewed Thread:
                        Working...
                        X