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

[Never-In-Doubt]

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.

[Saint X]

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

[Joanna Connolly Solicitors]

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

[Joanna Connolly Solicitors]

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

[Saint X]

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

[Joanna Connolly Solicitors]

Thanks Di, it was a pleasure talking to you

Likewise

Di

[Saint X]

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

[Saint X]

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

[Joanna Connolly Solicitors]

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

[Saint X]

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

[Saint X]

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

[Saint X]

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

[Saint X]

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

[Saint X]

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

[Joanna Connolly Solicitors]

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