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Getting Back On Track........................Saint X

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  • There you go then. It’s UE - until such time they’ve complied with your request.

    Just don’t give them a reason to remedy so be careful how you word things. ie “they’re in default on s.78” is giving enough without spelling out why it’s in default.

    Di can guide you properly there though.
    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.uk

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    • Originally posted by Diana Mayhew View Post



      If I've understood the situation correctly you have received a Letter Before Claim for this account. You will have 30 days from the date on that letter to reply.

      You say the credit agreement PRA sent you has been deemed unenforceable by Niddy, so tick Box D on the LBC reply form stating that they have not complied with your s 77-79 CCA Request.

      No need to return the Income & Expenditure Form.

      Di
      Hi Di,
      PRA have an agreement date for this debt of 15th March 2004.
      I hold a letter from solicitors Blair, Oliver and Scott dated 5th July 2011
      PRA have not provided a copy of agreement for this debt, only some papers showing payments, although not proper statements.
      I have to reply to the letter before claim on this by Sunday. Should I go ahead and tick box D as suggested, and if so, do I sign it with my signature, or just print my name?
      I am still searching for any more documents held on this debt

      Kind regards

      Saint X

      Comment


      • Originally posted by Saint X View Post
        Hi Di,
        PRA have an agreement date for this debt of 15th March 2004.
        I hold a letter from solicitors Blair, Oliver and Scott dated 5th July 2011
        PRA have not provided a copy of agreement for this debt, only some papers showing payments, although not proper statements.
        I have to reply to the letter before claim on this by Sunday. Should I go ahead and tick box D as suggested, and if so, do I sign it with my signature, or just print my name?
        You can email me if you think that would be helpful using di@joannaconnollysolicitors.co.uk

        Include your phone number if you want me to call you.

        Di
        Last edited by Diana Mayhew; 28th November 2018, 22:09.
        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


        • Originally posted by Diana Mayhew View Post

          You can email me if you think that would be helpful using di@joannaconnollysolicitors.co.uk

          Include your phone number if you want me to call you.

          I've got your email (that was quick )

          I'll be in touch.

          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


          • Hi all,
            I have this evening had a very pleasant and encouraging conversation with Di (lovely lady)
            I am now fully chilled about my situation moving forward, and more determined than ever not to let these charlatans get the better of me
            Thanks Di, it was a pleasure talking to you

            Kind regards

            Saint X

            Comment


            • Originally posted by Saint X View Post
              Thanks Di, it was a pleasure talking to you
              Likewise

              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


              • Hi all
                I have today received a letter from PRA dated December 4th stating account no 1 has been placed on hold, and all contact activity suspended, pending investigations into my dispute. This follows my response to the Letter Before Claim. Nice that the phone has stopped ringing, and the onus is on them to provide an agreement, which so far they have failed to do. Thanks to all for continued help and advice, particularly Di, who helped me with the reply

                Saint X

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