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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

    Comment


    • 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

                Comment


                • https://all-about-debt.co.uk/forum/d...24#post1500024

                  I have today received a summons from Northampton Court regards debt number 3 from PRA group. I am not stressed about this, but would greatly appreciate some advice regards reply. Maybe Di, if you are reading this could provide me with some info please. For instance should I contest this summons, or is now the time to make an offer?
                  Incidentally the summons has arrived unsigned by the PRA legal representative, which I perceive could be a mistake?
                  May I wish everyone on this forum a very Happy and Peaceful Christmas

                  Kind regards

                  Saint X

                  Comment


                  • Originally posted by Saint X View Post
                    https://all-about-debt.co.uk/forum/d...24#post1500024

                    I have today received a summons from Northampton Court regards debt number 3 from PRA group. I am not stressed about this, but would greatly appreciate some advice regards reply. Maybe Di, if you are reading this could provide me with some info please. For instance should I contest this summons, or is now the time to make an offer?
                    Incidentally the summons has arrived unsigned by the PRA legal representative

                    Hello

                    No surprise you've received a claim from PRA. Sometimes the debt purchasers send a Letter Before Claim simply to comply with Pre-Action Protocol but their intention to issue a claim continues regardless of any response you make.

                    I note they have not instructed solicitors.

                    Email me the front page of the claim form and also the reconstituted credit agreement they sent you in September 2017 with their covering letter. The CCA may appear to be enforceable but they'll still need to evidence that all the other statutory obligations have been complied with!

                    We've previously spoken so I'm aware of the timing issue.

                    Try not to let this spoil your Christmas break.

                    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


                    • Thanks Di
                      I will sort the information very soon.
                      They absolutely will not spoil my Christmas.
                      A very Happy one to you and everyone else on AAD

                      Kind regards
                      Saint X

                      Comment


                      • Originally posted by Saint X View Post
                        LLOYDS TSB BANK PLC DEBT NO 2

                        Creditor PRA

                        Current debt £6957,05

                        Last payment Monday 11th September to DMP

                        CCA request sent July 24th 2017.

                        A couple of replies deeming the debt unenforceable, but thus far, no sign of any agreement!

                        Almost certain Post 2007

                        Letter received. Dated 26/07/2017 stating receipt of CCA request, and placing account on hold.

                        Letter received. Dated 16/08/2017 with enclosed documents, not enforceable.

                        Letter received 20/09/2017 with re-constituted agreement. Sent to Niddy who deems enforceable.

                        Letter received. Dated 06/10/2017 with a reduced offer for full and final payment
                        Letter received Dated 11 December 2018, which is a letter before claim, needing a reply
                        by 15th January 2019
                        I am waiting for Di to contact me and am not stressed at all about this
                        Onwards and upwards into 2019

                        Kind regards

                        Saint X

                        Comment


                        • https://all-about-debt.co.uk/forum/d...18#post1500018

                          Comment


                          • https://all-about-debt.co.uk/forum/d...18#post1500018

                            Comment


                            • I have received a letter dated 2nd Jan regards debt no one, stating they have placed it on hold pending a response from the original creditor, and they will contact me by February 1st if there are any further delays
                              Kind regards

                              Saint X

                              Comment


                              • Originally posted by Saint X View Post
                                I have received a letter dated 2nd Jan regards debt no one, stating they have placed it on hold pending a response from the original creditor, and they will contact me by February 1st if there are any further delays

                                Everything is under control

                                This is the forum's link for sending a Subject Access Request to Lloyds which will cover all three of your accounts so you can expect a big parcel !

                                There is no longer a £10 fee so you can remove reference to that from your letter >

                                Link (see post # 3) https://all-about-debt.co.uk/forum/d...mplate-letters

                                Di
                                Last edited by Diana Mayhew; 9th January 2019, 16:59. Reason: typo
                                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

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