Blodwen's UE Journey

[nanna58]

Di had a knack with putting your mind at rest , so glad about that let's hope you can stay calm and enjoy Christmas xx .

[Blodwen]

Today I have had the pleasure of talking to the lovely Diana Mayhew. What a lovely lady and she has helped put my mind at ease over the situation regarding the LBC.

My Panic button is now well and truly turned off and we can look forward to enjoying our Christmas and not let these people grind us down!! The letter before claim has been completed and will be forwarded in due course. Huge, huge THANK YOU Diana for taking the time to talk to me. It is so very much appreciated.

[Blodwen]

So there may be potential assignment issues . . . .

Di

I have emailed you my contact details. It goes without saying that I truly, really appreciate your assistance.

[Joanna Connolly Solicitors]

this card started off with Virgin in 2006 and then was facilitated by MBNA who then transferred it to Aktiv Kapital and then onto PRA group.

So there may be potential assignment issues . . . .

Di

[Blodwen]

Hello Blodwen

From what I can see on your thread you've received a Letter Before Claim which gives you until January 2019 to respond.

I'll take a peek at your thread soon but from what I can see so far this was a Virgin credit card perhaps facilitated by MBNA?

Di

Hi Di.......thank you for your reply.
.
Yes this card started off with Virgin in 2006 and then was facilitated by MBNA who then transferred it to Aktiv Kapital and then onto PRA group. Thank you.

[Joanna Connolly Solicitors]

I will give her a call tomorrow.

I'm not in the office tomorrow so email me with your phone number and I'll call you on Wednesday.

Di

[Joanna Connolly Solicitors]

I spoke to Di and she was a massive help. These companies are effectively bully boys. Give Di a call and she will reassure you. I am certainly feeling far more positive after speaking with her

Thank you

I too am against bullying.

Di

[Blodwen]

Ditto what Tech Clerk says. I have recently had two of these letters from PRA. I spoke to Di and she was a massive help. These companies are effectively bully boys. Give Di a call and she will reassure you. I am certainly feeling far more positive after speaking with her

Regards
Saint X

Thank you Saint for your reply. I will give her a call tomorrow. Good luck on your journey x

[Joanna Connolly Solicitors]

. Do you know if she responds to direct messages or is it best to email her? Sorry if these are daft questions but I'm really not thinking straight at all this evening!!

Hello Blodwen

From what I can see on your thread you've received a Letter Before Claim which gives you until January 2019 to respond.

I'll take a peek at your thread soon but from what I can see so far this was a Virgin credit card perhaps facilitated by MBNA?

Di

[Blodwen]

For Di:-

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.

Thank you so very much, I really appreciate you taking the time to post that information for me.

[The Tech Clerk]

For Di:-

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.

[Saint X]

Ditto what Tech Clerk says. I have recently had two of these letters from PRA. I spoke to Di and she was a massive help. These companies are effectively bully boys. Give Di a call and she will reassure you. I am certainly feeling far more positive after speaking with her

Regards
Saint X

[Blodwen]

contact Diana Mayhew she and her company are well aware of this type situation = just my thought?

Thank you Tech Clark for your reply. Do you know if she responds to direct messages or is it best to email her? Sorry if these are daft questions but I'm really not thinking straight at all this evening!!

[The Tech Clerk]

Good Evening..........well, it looks as though my week is getting worse and it is only Monday!! I have received a LBC letter from PRA Group and we have 30 days to respond. There is a reply form enclosed along with an I&E form to complete. If we don't contact them they sate in bold that they it could result in court proceedings. I really don't know what to do or which way to turn now. Literally feel sick to the pit of my stomach can anyone offer any advice please? Forever grateful. Would it be the appropriate time to now send a SAR? Since the correspondence in September 2017 they haven't sent us any updated documentation which relates to our original CCA request. In September 2017 they deemed it unenforceable until such time as they could provide further information.

An update on this thread.......I have found some old paperwork (early 2013) stating that Aktiva Kapital were servicing the outstanding balance from MBNA prior to PRA .

contact Diana Mayhew she and her company are well aware of this type situation = just my thought?

[Blodwen]

MBNA

• Credit Card - Formerly Virgin CC
• Date Commenced February 2006
• Approx Balance £4,000
• Date Last Paid – Full Payment November 2011
• Status – Default July 2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – PRA Group UK

7th August 2017 – CCA sent to PRA recorded delivery with Postal Order.

August 2017 - Postal Order returned from PRA - account placed on hold until they retrieve further information. Noted and Filed.

11^th September 2017 – Letter from PRA including some documentation, which according to their letter states this is currently unenforceable and they are awaiting further documentation in order to complete the CCA request. They have acknowledged at this moment in time they are unable to take court or further enforcement action against us to recover the outstanding balance. They have informed us they are still legally entitled to request their funds etc etc.. Noted and Filed

26^th October 2017 – No Further contact has been from PRA and my payment to them has ceased.

February 2018 - Statement of Account received from PRA. - Noted and Filed.

October 2018 - Could you Settle Your Account Letter from PRA Group. Noted and Filed.

November 2018 - Letter informing us PRA Group have purchased the outstanding balance from MBNA Ltd - Very confused at this stage as all paperwork previously stated that PRA group owned the debt!

December 2018 - LBC Letter received from PRA group - we have 30 days to respond.

Good Evening..........well, it looks as though my week is getting worse and it is only Monday!! I have received a LBC letter from PRA Group and we have 30 days to respond. There is a reply form enclosed along with an I&E form to complete. If we don't contact them they sate in bold that they it could result in court proceedings. I really don't know what to do or which way to turn now. Literally feel sick to the pit of my stomach can anyone offer any advice please? Forever grateful. Would it be the appropriate time to now send a SAR? Since the correspondence in September 2017 they haven't sent us any updated documentation which relates to our original CCA request. In September 2017 they deemed it unenforceable until such time as they could provide further information.

An update on this thread.......I have found some old paperwork (early 2013) stating that Aktiva Kapital were servicing the outstanding balance from MBNA prior to PRA .