Philyabootz UE diary (please help)

[philyabootz]

Hi

Summary Update with my 2 creditors PRA group and Intrum group

PRA group have acknowledged my complaint re harassment calls on 7th December. They have stated they will give me 30 days grace to contact them via email phone or letter to sort payment plan.I don't plan to do this and will await for further communication from them in writing

Intrum group who I haven't heard anything from in a while have wrote on 22nd December to say they placing both my accounts on hold for 60 days until I contact them to arrange payment plan. They have asked me to contact them within 14 days. Again I wasn't planning on doing this and to wait for further written communication from them

Can anyone confirm if this is the correct approach or should I do anything differently?

Thanks

Phil



PRA Group £8700

· Originally Barclaycard not Egg or Goldfish
· Type of account credit card
· Date original CCA commenced May 1999
· Sold to PRA 13/12/2017
· Date last paid to PRA 01/08/2018 £130.59 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

June 2018 CCA requested and original signed agreement from 1999 has been produced from Barclaycard

28/07/18 Niddy @admin deems it UE...Niddy stated there "weren't complete terms accompanying the agreement, containing described terms" and is still UE in his opinion

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


PRA Group £5800

· Originally MBNA
· Type of account Plat credit card
· Date original CCA commenced August 2016
· Sold to PRA December 17
· Date last paid to PRA 01/08/2018 £92.72 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested and letter back (12/10/18) to state debt is currently unenforceable

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


Intrum Group £23151

· Originally Tesco Loan
· Type of account: Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18

CCA full paperwork sent by Intrun group (07/09/2018)

20/10/2108 Niddy: Sadly this is enforceable. It’s just too new.
Things from 2015 are likely to be better than older accounts

29/11/2018 – No calls/emails/letters from Intrun since CCA paperwork sent in Sept 18

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan




Intrum Group £1533

· Originally Tesco Credit Card
· Type of account: Credit Card
· Date original CCA commenced Feb 2011 I think
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £24.81 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18 No response but the £1 cheque for CCA has been cashed

Last communication 08/02/18 stating they had taken over the debt

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan

[philyabootz]

Hi

Summary Update with my 2 creditors PRA group and Intrum group

PRA group have acknowledged my complaint re harassment calls on 7th December. They have stated they will give me 30 days grace to contact them via email phone or letter to sort payment plan.I don't plan to do this and will await for further communication from them in writing

Intrum group who I haven't heard anything from in a while have wrote on 22nd December to say they placing both my accounts on hold for 60 days until I contact them to arrange payment plan. They have asked me to contact them within 14 days. Again I wasn't planning on doing this and to wait for further written communication from them

Can anyone confirm if this is the correct approach or should I do anything differently?

Thanks

Phil



PRA Group £8700

· Originally Barclaycard not Egg or Goldfish
· Type of account credit card
· Date original CCA commenced May 1999
· Sold to PRA 13/12/2017
· Date last paid to PRA 01/08/2018 £130.59 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

June 2018 CCA requested and original signed agreement from 1999 has been produced from Barclaycard

28/07/18 Niddy @admin deems it UE...Niddy stated there "weren't complete terms accompanying the agreement, containing described terms" and is still UE in his opinion

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


PRA Group £5800

· Originally MBNA
· Type of account Plat credit card
· Date original CCA commenced August 2016
· Sold to PRA December 17
· Date last paid to PRA 01/08/2018 £92.72 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested and letter back (12/10/18) to state debt is currently unenforceable

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


Intrum Group £23151

· Originally Tesco Loan
· Type of account: Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18

CCA full paperwork sent by Intrun group (07/09/2018)

20/10/2108 Niddy: Sadly this is enforceable. It’s just too new.
Things from 2015 are likely to be better than older accounts

29/11/2018 – No calls/emails/letters from Intrun since CCA paperwork sent in Sept 18

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan




Intrum Group £1533

· Originally Tesco Credit Card
· Type of account: Credit Card
· Date original CCA commenced Feb 2011 I think
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £24.81 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18 No response but the £1 cheque for CCA has been cashed

Last communication 08/02/18 stating they had taken over the debt

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan

[philyabootz]

Three out of four debts are currently unenforceable so that's good news

You've been told that the credit agreement for the ex-Tesco loan is enforceable but that doesn't necessarily mean that everything else is in perfect order now that it has been assigned to 1st Credit (renamed Intrum).

See what Intrum do next since you've not heard anything from them for over three months.

Di

Thanks for the reply Diana

Its always reassuring to know that people like you and others are looking after us in this forum its appreciated

[Joanna Connolly Solicitors]

Three out of four debts are currently unenforceable so that's good news

You've been told that the credit agreement for the ex-Tesco loan is enforceable but that doesn't necessarily mean that everything else is in perfect order now that it has been assigned to 1st Credit (renamed Intrum).

See what Intrum do next since you've not heard anything from them for over three months.

Di

[philyabootz]

Hi all

Just wanted to post a summary below and to update where I am with the my 2 creditors PRA group and Intrum group

Neither group has wrote to me in over 3 months. PRA group have rang my mobile and landline many many times but I have followed the advice on here and ignored them and recently sent a harassment letter and asked them to communicate in writing only. The calls keep coming.

I have tried to put a bit of money away to one side in case they start demanding repayments etc but this is hopefully a last resort

Any further advice as to what to do at this stage other than wait please let me know

Thanks again

Phil


PRA Group £8700

· Originally Barclaycard not Egg or Goldfish
· Type of account credit card
· Date original CCA commenced May 1999
· Sold to PRA 13/12/2017
· Date last paid to PRA 01/08/2018 £130.59 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

June 2018 CCA requested and original signed agreement from 1999 has been produced from Barclaycard

28/07/18 Niddy @admin deems it UE...Niddy stated there "weren't complete terms accompanying the agreement, containing described terms" and is still UE in his opinion

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing



PRA Group £5800

· Originally MBNA
· Type of account Plat credit card
· Date original CCA commenced August 2016
· Sold to PRA December 17
· Date last paid to PRA 01/08/2018 £92.72 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested and letter back (12/10/18) to state debt is currently unenforceable

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing



Intrum Group £23600

· Originally Tesco Loan
· Type of account: Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18

CCA full paperwork sent by Intrun group (07/09/2018)

20/10/2108 Niddy: Sadly this is enforceable. It’s just too new.
Things from 2015 are likely to be better than older accounts

29/11/2018 – No calls/emails/letters from Intrun since CCA paperwork sent in Sept 18



Intrum Group £1600

· Originally Tesco Credit Card
· Type of account: Credit Card
· Date original CCA commenced Feb 2011 I think
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £24.81 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18 No response but the £1 cheque for CCA has been cashed

Last communication 08/02/18 stating they had taken over the debt

[The Tech Clerk]

Harassment by Telephone

[philyabootz]

TOP OF PAGE CLICK ON TEMPLATES, 3RD ONE DOWN HARASSMENT TEMPLATES, CLICK ON , TELEPHONE HARASSMENT, EDIT THE BLANKS, X

Hello

Ive tried a couple of times to access/download this template but I think you need to be a AAD premium member to access it. I don't mind paying for this if thats the case but I just wanted clarification on this. I messaged the admin but had no response as yet

Thanks in advance

Phil

[philyabootz]

TOP OF PAGE CLICK ON TEMPLATES, 3RD ONE DOWN HARASSMENT TEMPLATES, CLICK ON , TELEPHONE HARASSMENT, EDIT THE BLANKS, X

Thanks for this

[nightwatch]

Please could you direct me to this letter?

They are trying my mobile and home phone at least 2 times everyday with no written communication since they deemed the Barclaycard debt enforceable

Thanks

TOP OF PAGE CLICK ON TEMPLATES, 3RD ONE DOWN HARASSMENT TEMPLATES, CLICK ON , TELEPHONE HARASSMENT, EDIT THE BLANKS, X

[philyabootz]

There is a harassment AAD letter if these become a nuisance!

Please could you direct me to this letter?

They are trying my mobile and home phone at least 2 times everyday with no written communication since they deemed the Barclaycard debt enforceable

Thanks

[Roger]

I just wait for them to write to me then and then seek advice on the forum?

Thanks

There is a harassment AAD letter if these become a nuisance!

[philyabootz]

Make a Note of time and date of these calls.
Do not enter into any discussion on these and especially at the phone.
We have all experienced this and with UE Silence is the Golden Rule.

I just wait for them to write to me then and then seek advice on the forum?

Thanks

[Roger]

I have started to recieve a few missed calls from the PRA group

I presume it will be to set up a payment plan etc

What shall I do in relation to the next steps with them as both debts are deemed UE either by PRA group letter (MBNA) or Niddy from the forum (Barclaycard)

Thanks (summary below)

Phil



PRA Group £8700

• Originally Barclaycard not Egg or Goldfish
• Type of account credit card
• Date original CCA commenced May 1999
• Sold to PRA 13/12/2017
• Date last paid to PRA 01/08/2018 £130.59 via Stepchange
• Date last payed full contactual amount : Feb 2017 via Stepchange
• PPI No
• Notes : CCA requested and original signed agreement from 1999 has been produced but Niddy deems UE

PRA Group £5800

• Originally MBNA
• Type of account Plat credit card
• Date original CCA commenced August 2016
• Sold to PRA December 17
• Date last paid to PRA 01/08/2018 £92.72 via Stepchange
• Date last payed full contactual amount : Feb 2017 via Stepchange
• PPI No
• Notes : CCA requested and original letter back to state debt is currently unenforcable

Make a Note of time and date of these calls.
Do not enter into any discussion on these and especially at the phone.
We have all experienced this and with UE Silence is the Golden Rule.

[philyabootz]

I have started to recieve a few missed calls from the PRA group

I presume it will be to set up a payment plan etc

What shall I do in relation to the next steps with them as both debts are deemed UE either by PRA group letter (MBNA) or Niddy from the forum (Barclaycard)

Thanks (summary below)

Phil



PRA Group £8700

• Originally Barclaycard not Egg or Goldfish
• Type of account credit card
• Date original CCA commenced May 1999
• Sold to PRA 13/12/2017
• Date last paid to PRA 01/08/2018 £130.59 via Stepchange
• Date last payed full contactual amount : Feb 2017 via Stepchange
• PPI No
• Notes : CCA requested and original signed agreement from 1999 has been produced but Niddy deems UE

PRA Group £5800

• Originally MBNA
• Type of account Plat credit card
• Date original CCA commenced August 2016
• Sold to PRA December 17
• Date last paid to PRA 01/08/2018 £92.72 via Stepchange
• Date last payed full contactual amount : Feb 2017 via Stepchange
• PPI No
• Notes : CCA requested and original letter back to state debt is currently unenforcable

[philyabootz]

Hi all

Niddy has responded with this in relation to the Intrum Group Debt listed below


Sadly this is enforceable. It’s just too new.

Things from 2015 are likely to be better than older accounts.

Niddy


I am not sure as to where I go from here.

Do I seek further advice? Do I contact them to arrange a repayment lan as it is deemed Enforceable? Should I now offer to pay a reduced settlement to clear?

Any help from anyone is appreciated...?

Thanks


Intrum Group £23600
· Originally Tesco Loan
· Type of account : Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contactual amount : Feb 2017 via Stepchange
· PPI No

Previous Questions and Responses:

Tesco loan was a consolidation loan of the old loan with a top-up of £2500 from the original loan I took with them

Have you any way of figuring out when you opened this Tesco loan? Perhaps the reason for starting it may jog your memory such as to consolidate other debts, or buy a car etc.

I have found the original paperwork for this Tesco loan. It was taken out for £25k in Jan 2014 at 11.1APR. I received £2500 extra of this amount as the other £22.5k was taken to pay off the existing loan I had with already had with Tesco. The existing loan paid off was at 11.2 APR and taken out in February 2012 again for 25k.

Was there PPI attached to the loan?

No

When did you last pay the monthly payment due under the terms of the loan, and how long would the loan have run for if it had continued to its agreed expiry date (such as 5 years or 84 months etc)?

I stopped paying the full contactual amount to Tesco loan when I agreed/set up a debt plan with Stepchange in February 2017. It was opened in Jan 2014 over 121 months so would have finished in Feb 2024. I had paid the full payment for 3 years and 1 month

And was it assigned direct to 1st Credit (if so when?) or was it assigned to someone else first? Assignments are important especially with 1st Credit.

The loan was assigned/purchased by 1st Credit on 26/01/2018. I have received NO paperwork from Intrun only the original account assignment from 1st credit in Feb 2018