Florida Jens diary

[Floridajen]

Letter from Barclays states account has been passed to Arvarto Financial Services to manage account of their behalf. Then letter received from Arvarto saying we have been asked to contact for repayment of amount.

Any advice what I should do now please ? Thanks

Just bumping as I would appreciate any advice thanks

[nightwatch]

Ok as you have only had the one letter from Avarto I would wait and see what else they send,
If you jump in at the 1st letter they think you may pay the full amount if pushed, bide your time and see what they send next.
NW

[Floridajen]

Ok as you have only had the one letter from Avarto I would wait and see what else they send,
If you jump in at the 1st letter they think you may pay the full amount if pushed, bide your time and see what they send next.
NW

Thank you for your advice much appreciated

[Floridajen]

Debt 5

• Type of account (credit card/loan) Barclaycard
• Date commenced (ideally before Apr 2007) ????
• Approx balance. £1900
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
statement received from Barclaycard
letter received thanking me for letting them know about stepchange

2014
Monthly statements received
letter from Barclaycard advising they have had payment offer from stepchange

2015
Monthly statements received
Default letter 87 (1)
letter from Barclaycard Formal Demand
as above
letter advising account transferring to PRA Group
letter advising account now closed
letter from PRA Group saying they have purchased account

2016
letter from PRA statement of account

2017
Letter from PRA account summary

2018
I sent CCA request with £1 PO
I received PO back with PO account of hold
letter from PRA enclosing some documents but stating unenforceable
letter enclosing copy documents as requested
emailed to Niddy - he thinks UE

Thanks for any help ---- 5 down 1 more debt to add - sorry if you are all bored x


Letter received 4th September along with numerous phone calls to which we have not answered....

Letter asks if we can settle account and giving three option
pay a discount price (couple hundred off)
three monthly instalments
six monthly instalments

please call us to arrange .......

what should we do please??
would ideally like the calls to stop

UPDATE 18/12/2018
Letter received from PRA
account now been transferred to litigation dept.
this is a letter before claim and to give notice of PRA intention to issue court proceedings
since I did not respond I am now liable for the original amount !!!!!
given a time by where I have to respond and tick sheets on if I agree that just owe the amount or owe some of it, don't know, dispute etc.
tick sheet if I am paying now, pay but need time
am I getting advice
do I need further info?

HELP this has scared me now. Niddy originally though this was UE.

please can anyone help me or advise me what to do. !!!!!!!!!

Thanks

[Floridajen]

UPDATE 18/12/2018
Letter received from PRA
account now been transferred to litigation dept.
this is a letter before claim and to give notice of PRA intention to issue court proceedings
since I did not respond I am now liable for the original amount !!!!!
given a time by where I have to respond and tick sheets on if I agree that just owe the amount or owe some of it, don't know, dispute etc.
tick sheet if I am paying now, pay but need time
am I getting advice
do I need further info?

HELP this has scared me now. Niddy originally though this was UE.

please can anyone help me or advise me what to do. !!!!!!!!!

Thanks

HI can anybody help with the above post. I have to reply by 16th January and am really worried.

[Floridajen]

Debt 3

• Type of account (credit card/loan) Barclayloan Plus
• Date commenced (ideally before Apr 2007) 20th October 2011
• Approx balance. £3000
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
letter received from Barclays advising I had cancelled the DD
letter received advising missed a payment
Letter received Notice of Default section 87 (1)
letter received advising receipt of payment proposal


2014
letter received Arrears Notice
letter received Arrears Notice
statement received
letter received stating receipt of offer of payment
letter received Arrears Notice

2015
letter received Arrears Notice
letter from Barclays Arrears Notice
letter received from Barclays 12 month review
letter received advising they are in receipt of payment from Stepchange


2016
Arrears Notice received
Arrears Notice received
letter received from Barclays thanking us for providing details of Stepchange
letter received from Barclays advising offer of payment received
received from Barclays advising transfer to PRA Group
statement received from Barclays
letter received from Barclays saying transfer now complete
letter received from PRA Group saying they purchased debt
letter received from PRA Group section 86B
letter received from PRA Group statement of account

2017
letter received from PRA Group statement of account

2018
I sent a CCA request with £1 postal order
letter received back from PRA Group returning PO and account on hold
letter received from PRA enclosing copy documents as requested.
(sent all to Niddy who thinks enforceable)
????

Next steps please ? Thanks


Letter received 4th September along with numerous phone calls to which we have not answered....

Letter asks if we can settle account and giving three option
pay a discount price (couple hundred off)
three monthly instalments
six monthly instalments

please call us to arrange .......

what should we do please??
would ideally like the calls to stop

************************************************** ************************************************** *************************
28.12.2018 A letter received again today along with numerous phone calls (one on xmas eve at 10.20pm!!!)
letter was an account summary along with a letter stating 86B of the CCA 1974

do we do anything please?

[Floridajen]

Ok here we go. 6 debts in total so I will try and do a post for each.

be gentle with me I am a newbie to this site

Debt 1

• Type of account (credit card/loan) Barclaycard
• Date commenced (ideally before Apr 2007) ???
• Approx balance. Approx 7000
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till June 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA group

2013
statement received paid minimum payment
statement received nil paid
letter received stating they didn't receive payment

2014
statement received stating payment received via Stepchange
same every month for rest of year
letter sent advising situation not changed
letter received saying thank you for letter payments will stay same

2015
statement
statement
letter received section 87 (1)

2016
statement from PRA

2018
Stopped payments via Stepchange want to go Self managed
May CCA request made
postal order sent back with letter stating account on hold
letter from PRA stating unenforceable
letter received stating enclosed copy docs as requested. Received reconstituted copy, terms and conditions and a copy statement.


I emailed Niddy who advises unenforceable

APOLOGIES NOT IN COLOURs I am on an iPad and don't know how to do?

Letter received 4th September along with numerous phone calls to which we have not answered....

Letter asks if we can settle account and giving three option
pay a discount price (couple hundred off)
three monthly instalments
six monthly instalments

please call us to arrange .......

what should we do please??
would ideally like the calls to stop

14th December 2018

Letter Received asking if we can settle our account?

Do we just ignore ? We obviously cannot pay
Many thanks for any advice given

[Floridajen]

Any advice greatly appreciated thanks

[Floridajen]

Any advice greatly appreciated thanks

[Floridajen]

UPDATE 18/12/2018
Letter received from PRA
account now been transferred to litigation dept.
this is a letter before claim and to give notice of PRA intention to issue court proceedings
since I did not respond I am now liable for the original amount !!!!!
given a time by where I have to respond and tick sheets on if I agree that just owe the amount or owe some of it, don't know, dispute etc.
tick sheet if I am paying now, pay but need time
am I getting advice
do I need further info?

HELP this has scared me now. Niddy originally though this was UE.

please can anyone help me or advise me what to do. !!!!!!!!!

Thanks

any advice greatly appreciated

[cymruambyth]

Hi, send Diana Mayhew a message. You need to reply and she is the best person to guide you. You have 30 days to reply; she may take a few days as it is the holidays.
Try not to worry as you will get help and guidance.

[Spud]

First things first........Although it is hard not to....... and easy for me to say........Please don't be scared .........I and many members here have been in the same position as yourself........Its not fantastic.......I totally acknowledge that..........But neither is it anything to worry about......Knowledge conquers fear........trust me


It would seem that you have until 16th January to reply - So that will leave you plenty of time........There is no panic to get this back so we can breathe for a few days and get things in order

Just because PRA say they have the intention to issue court proceedings.......It does not mean they necessarily will........although yes.....they might

Niddy has previously deemed this to be unenforceable - So there must be some errors somewhere ( Keep those to yourself at this stage) - There are many reasons why a claim would fall down in court - Not just the agreement being unenforceable........so this is all to play for at this stage........It is a logical and ordered approach that will win the day here

It is not unknown for PRA to issue court proceedings on accounts that are completely unenforceable - Indeed is is very common - I speak from personal experience

So just because they are thinking of issuing a claim.........It does not mean the account IS Enforceable.......its just that they may think it is......or are chancing their arm hoping that you will just give in......so again don't worry - Many claims issued from PRA ( If they ever get that far ) are discontinued once they realise that they are unlikely to win or they just plain lose the case due to various faults or reasons

The main thing is we will get you back in control and feeling better about this.......As I said - Knowledge is power.........

[Spud]

Just to follow on from that........Have a look at another members diary who are in a similar position to yourself regarding a PRA letter........ https://all-about-debt.co.uk/forum/d...n-s-ue-journey

We will get you sorted

[Floridajen]

Thank you so much for the reply's I will email Diana . Much appreciated

[Joanna Connolly Solicitors]

UPDATE 18/12/2018
Letter received from PRA
account now been transferred to litigation dept.
this is a letter before claim and to give notice of PRA intention to issue court proceedings
since I did not respond I am now liable for the original amount !!!!!
given a time by where I have to respond and tick sheets on if I agree that just owe the amount or owe some of it, don't know, dispute etc.
tick sheet if I am paying now, pay but need time
am I getting advice
do I need further info?

HELP this has scared me now. Niddy originally though this was UE.

please can anyone help me or advise me what to do. !!!!!!!!!

If you’ve been told the credit agreement is unenforceable then tick Box D on the Letter Before Claim reply form stating that they have not complied with your s77-79 CCA Request.

Thats all

No need to complete the Income & Expenditure section, or any other section.

Di