Gwlads UE Diary

[cymruambyth]

From what you have posted I agree your case seems quite strong; I can just remember the feeling when I opened the brown envelope !

[gwlad]

Thanks cymruambyth - I really am not in the slightest bit worried - I think I have a very strong case against them

[cymruambyth]

Send a copy of the form to webmaster@all-about-debt.co.uk and to Diane Mayhew.
And try not to panic or worry too much as we are very successful at defending claims.

[gwlad]

Well despite replying to the second LBA and receiving no reply I have today received a claim form any advice peeps.

[Still Waving]

Why would you do this - just wait for them to do as they suggest..... we do not take the fight to the creditors here, play passive and fight things when they hassle you.

Just to clarify - they sent the OP a new LBA dated 28 Sept, does this not require a response?

EDIT: answered in preceeding post.

[Never-In-Doubt]

Apologies, just seen they sent an LBA - see what Diana Mayhew says as she may suggest sending the LBA response. Listen to the legal guys on this one as PRA are litigation happy. So sit tight and see what Di suggests.

[Never-In-Doubt]

Hi All
I am planning on sending a letter to PRA with a copy of their reply to the last LBA where they stated have put my account on hold while they await correspondance from the OC. - I have not received any other correspondence since their last reply. Would be grateful if someone could advise if this reply to them is ok to send

Why would you do this - just wait for them to do as they suggest..... we do not take the fight to the creditors here, play passive and fight things when they hassle you.

[gwlad]

Hi All
I am planning on sending a letter to PRA with a copy of their reply to the last LBA where they stated have put my account on hold while they await correspondance from the OC. - I have not received any other correspondence since their last reply. Would be grateful if someone could advise if this reply to them is ok to send

[gwlad]

Hi Diana thanks for the reply. The date on the latest LBA letter is 28th September but I received it yesterday. I have sent the agreement to Niddy who has informed me its UE and illegible
I replied to a previous LBA in April requesting documents and PRA replied they were going to request them from the OC and would be placing collection activities on hold. I have received nothing off them since that last letter only the new LBA yesterday - its word for word the same as the LBA i received in April.

[Joanna Connolly Solicitors]

3rd October 2017 - Received yet another letter before claim despite letter from PRA on 19th April stating account on hold until they receive information from original creditor and that account is currently unenforceable.This is the second LBA I have received and I have recived no documentation whatsoever. Could someone please advice how I should reply?

Can you clarify something. You say you've received no documentation whatsoever but in your debt history you say PRA sent you a credit agreement on 23rd January and again on 19th April (albeit you say the agreement was illegible).

Have you sent it to Niddy to check?

You need to establish the legal situation before you write any letter. In fact depending on what is discovered (about your credit agreement) you may not need to respond at all.

What is the date on the latest LBA because Pre-Action Protocol for debt claims changed on 1st October?

Di

[Susiebling365]

Wales forever !

[cymruambyth]

As my name states, Cymru am byth

[gwlad]

Thank you cymruambyth I was thinking on those lines as well - Welsh minds think alike!

[cymruambyth]

My suggestion would be to send a copy of their letter stating that the account is on hold with a line asking why the letter of xxhad been sent as you have yet to receive any further paperwork.

Wait a couple of days before replying to see if anyone has any further suggestions.

[gwlad]

Would anybody have any suggestions on what to send in response to the above please? I have drafted a letter which seems OK but just want to double check prior to sending