Originally posted by Roger
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Originally posted by Floridajen View PostDebt 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
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Originally posted by Floridajen View PostDebt 2- Type of account (credit card/loan) Overdraft Barclays
- Date commenced (ideally before Apr 2007) accounts opened 20+ years ago
- Approx balance. 1500
- Date last paid (approximate date you last made a FULL payment) ??
- 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. Barclays collections
2014
June letter from BARCLAYS received stating payment received via Stepchange
October letter from BARCLAYS Received stating payment received and accepted from Stepchange
2015
Letter received asking for 12 monthly review
Letter received accepting payments from Stepchange
letter received accepting new payments ( 90p more)
2016
Letter received thanking me for letting them know Stepchange are dealing with payments!
Letter accepting payments from Stepchange
2017
letter asking for 12 month review
letter accepting payment from Stepchange (£5 less)
2018
letter accepting new payment (80p more)
I sent a CCA not realising you cannot for overdrafts.
Letter sent by me offering F&F of £150.00
letter received stating not prepared to accept offer. Will reconsider if I can increase or provide further evidence of situation.
I sent letter offering £175.00 as a F&F
letter received stating again not prepared to accept etc... as before
What should I do next folks? Thanks
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Hiya, yep, just sit on your hands and wait for that 1st letter to drop through your door. NW xI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
- 2 likes
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Originally posted by Floridajen View Post
Have now received first letter from DCA what should I do know please
OR has it been sold to them,
A rough outline of what the letter says also helps.
NWI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
- 1 like
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Originally posted by nightwatch View Post
It would help if you said which DCA it has been passed to, also are they just collecting on behalf of the original lender?
OR has it been sold to them,
A rough outline of what the letter says also helps.
NW
Any advice what I should do now please ? Thanks
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