Night Monkey's diary

[Night Monkey]

Type of account - Barclaycard credit card
Date commenced - Approx 2012
Approx balance - £7300
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - PRA Group (UK) Ltd.

28.3.19 Letter from Barclaycard, 'We've now transferred your Barclaycardover to PRA Group (UK)Ltd.'
28.3.19 Letter from PRA Group, 'We have recently purchased your outstanding balance with Barclaycard'
17.8.19 Requested CCA details
22.8.19 Returned £1 postal order with above letter, no specific mention of this account
26.3.20 Received statement from PRA, ~£6700 outstanding, ~£650 received.

Can you just clarify whether you sent your CCA Request to Barclaycard or to PRA as I can't see when the debt was assigned to PRA?

Letters regarding the account transfer were filed but not diaried for some reason, apologies for that. I've added the details in red above.

You say the letter didn't specifically mention the account, but was there an account (PRA) reference anywhere on the letter even if there wasn't any mention of it being ex-Barclaycard in the body of the letter?

PRA's letters usually say they will ask the original creditor for the documents etc. What exactly did your letter say?

I requested the CCA from PRA, and as far as I can recall there was no covering letter which does seem odd. If there was I certainly can't find it now. Should I start again with a CCA request or just go straight to SAR since I don't seem to have a default notice either? I'm expecting contact from them fairly soon when this month's payment doesn't appear.

[Joanna Connolly Solicitors]

Type of account - Barclaycard credit card
Date commenced - Approx 2012
Approx balance - £7300
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - PRA Group (UK) Ltd.

17.8.19 Requested CCA details
22.8.19 Returned £1 postal order with above letter, no specific mention of this account
26.3.20 Received statement from PRA, ~£6700 outstanding, ~£650 received.

Can you just clarify whether you sent your CCA Request to Barclaycard or to PRA as I can't see when the debt was assigned to PRA?

It appears to have been sent to PRA but I thought I should check because if you've had a response from PRA returning your postal order then they have acknowledged receipt of your request (otherwise how would they have got your postal order).

You say the letter didn't specifically mention the account, but was there an account (PRA) reference anywhere on the letter even if there wasn't any mention of it being ex-Barclaycard in the body of the letter?

PRA's letters usually say they will ask the original creditor for the documents etc. What exactly did your letter say?

I would hesitate to send a new request until the facts are clear.

And because I don't think it's necessary for you to risk your life (literally) by going to the Post Office to buy another postal order and send the letter by Royal Mail Recorded Delivery during the coronavirus lockdown!

This can wait

Di

[Night Monkey]

it should look the same, with the possability that the one's sold on having the original settled/default replaced, with the company that have bought it now reporting the original default.

Cool, thanks.

[nightwatch]

it should look the same, with the possability that the one's sold on having the original settled/default replaced, with the company that have bought it now reporting the original default.

[Night Monkey]

Can anyone tell me what my credit report will look like once I stop paying? I've just checked via a free 'checkmyfile' trial and I currently have seven defaults across cards and overdrafts. Three are listed as 'U', one as 'US', one 'D' and bizarrely two 'S', those being an HSBC card and a Barclaycard.

[nightwatch]

just sticking my nose in, BUT, there may not be anyone in the "office" dealing with post , so no one to sign for it, Just send it with proof of posting from the post office.

[MisterK]

If you've got absolutely nothing to show for it then if it were me I would certainly do it again and keep the entire chain, eg copy of letter sent, scan of cheque/PO, printout of delivery signature from RM website, in addition to anything received back even including the envelope it arrived in. As also recommended by others.

Your word might count for something but not nearly as much as a stack of evidence would.

[Night Monkey]

Originally posted by Night Monkey View Post
As far as I can recall they just returned my letter and the postal order with no comment or cover note; everything else I either sent recorded (two HSBC), received a reply stating that that the debt was unenforceable but that I should keep paying anyway (Santander) or was deemed enforceable (MBNA).

Roger replied:

THEY can you prove that THEY sent it back?
Was it in their envelope? Anything written on the envelope? Doesn't matter if there was no comment! All that matters is evidence that they received it!
AAD recommend always saving Envelopes by the way and writing the received date on the envelope!!

I have no trail of proof on this one, so I'm minded to start again with it & CCA PRA.

Lesson learned, I'll also audit the others & make sure I've got their trails documented. I believe I have with the rest of them, but envelopes saved & filed too from hereon in.

[Roger]

As far as I can recall they just returned my letter and the postal order with no comment or cover note; everything else I either sent recorded (two HSBC), received a reply stating that that the debt was unenforceable but that I should keep paying anyway (Santander) or was deemed enforceable (MBNA).

THEY can you prove that THEY sent it back?
Was it in their envelope? Anything written on the envelope? Doesn't matter if there was no comment! All that matters is evidence that they received it!
AAD recommend always saving Envelopes by the way and writing the received date on the envelope!!

[Night Monkey]

what did you get back?
as long as you sent it and they returned it with a letter saying why you made the request.
Did they say you had to sent the request to Barclays ?

As far as I can recall they just returned my letter and the postal order with no comment or cover note; everything else I either sent recorded (two HSBC), received a reply stating that that the debt was unenforceable but that I should keep paying anyway (Santander) or was deemed enforceable (MBNA).

[nightwatch]

what did you get back?
as long as you sent it and they returned it with a letter saying why you made the request.
Did they say you had to sent the request to Barclays ?

[Night Monkey]

Type of account - Barclaycard credit card
Date commenced - Approx 2012
Approx balance - £7300
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - PRA Group (UK) Ltd.

17.8.19 Requested CCA details
22.8.19 Returned £1 postal order with above letter, no specific mention of this account
26.3.20 Received statement from PRA, ~£6700 outstanding, ~£650 received.

It occurs to me that this was one of the first CCA requests I made and didn't send it recorded - is it worth doing again to properly document that I've done it?

[Night Monkey]

Well, now seems as good a time as any.

I've informed StepChange that we're going self-managed and have canceled the direct debit. I've also set up a monthly standing order sending the £308 that we've been paying them into savings to give us a fighting fund.

So far of five accounts one (MBNA, ~£8500 currently with PRA) has been deemed enforceable, HSBC has ignored two CCA requests and two others have so far been unable to provide them.

We have so far paid ~£4500 through StepChange and ~£31000 remains.

I like being in control, it's been a while. Long may it continue.

[Night Monkey]

Sent a hand-signed copy, let's see if this cuts it.

[Night Monkey]

The letter of authority you attached from your wife is only a printed signature and we need a handwritten signature that matches the one we have on record.

They're starting to annoy me now.