- Bank Of Scotland then Lloyds TSB
- Credit card
- Approx 2001
- £6k
- Last full payment approx Oct 2007. Negotiated installment paid up to date.
- Arrangement via a DMC
- Defaulted. Now dropped off credit file.
- PRA Group
I requested the CCA and this debt was deemed UE by PRA Group. A few months later, I received a signed credit agreement. Not sure if that now makes this enforceable??
update June 18: Niddy has seen the signed agreement and says that this one is enforceable. I’ll try and settle it, any experience with PRA Group anyone??
Update 30 June 18: Cancelled DMP. Payments no longer being made to this account.
July 18: Sent SAR to BOS.
July 18: The calls have started, recording telling me PRA Group are trying to get in touch.
early August: Changed my mobile number.
early Sept: Letter from PRA saying that if I don’t call to set up a payment plan, they may pursue me via the county court. Gave me 14 days to respond, which I haven’t.
October 18: I have now received a Letter Before Claim from PRA Group. It includes the box A-G form and and Income & Expenditure form. I have already sent a CCA to PRA and Niddy believes the agreement to be enforceable. Not sure what my next move should be? Particularly interested in what you have to say Di as I know you know PRA well.
November 18: Di Mayhew has looked at the credit agreement they returned to me and has pointed out a few things that may make it unenforceable. I've responded to PRA with the completed form, ticking box D disputing that I owe the debt. Let's see what they come back with.
Feb 19: PRA sent an agreement which looks to be reconstituted
March 19: Letter from PRA advising they will continue to take this matter to court and issue proceedings in accordance with the Pre Action Protocol within the next 15 days. Diana Mayhew I have sent you copies of both of these letters (Feb & March).
Sept 19: PRA have sent another Letter Before Claim. I have responded saying that I returned their form in October 2018 and my position remains unchanged - I do not intend to return the form again, please do not send further letters.
Sept 19: PRA emailed me (for the first time in a long time to thank me for my complaint, they have started a formal investigation into my concerns. I didn't actually send my letter to a complaints department but I did say I would not hesitate to deal with any "further harrassment".
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