Tweet
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. -
Originally posted by Night Monkey View Post
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
DiComment
-
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.Letters regarding the account transfer were filed but not diaried for some reason, apologies for that. I've added the details in red above.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?
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.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?Comment
-
Originally posted by Night Monkey View Post
Neither
It's hard to break the habit of responding or reacting to debt purchasers and/or DCAs, but sometimes the best response is no response.
You will undoubtedly hear from PRA again once they realise you've stopped paying via your DMP. Post on this thread when you do.
It's too soon to send a SAR to Barclaycard because you want to capture any logged interaction between them and PRA which may not have concluded just yet.
Di
Comment
-
Things may understandably be delayed in these difficult times but StepChange promised me completion of my SAR 'on or before the 8th April'.
I've sent them a polite and gentle reminder.Last edited by Night Monkey; 14 April 2020, 21:00.Comment
-
Learn to SIT ON YOUR HANDS!!Originally posted by Night Monkey View Post
StepChange and their Partners!! https://www.stepchange.org/about-us/...work-with.aspxComment
-
I'm aware, thanks. I've requested an SAR from StepChange which wasn't clear due to typo in my original post. I'm hoping it will shed light on any conversations they've had.Originally posted by Roger View PostLast edited by Night Monkey; 14 April 2020, 21:46.Comment
-
NM, I think you will find that If the person dealing with your SAR is working from home, they won't have access to your full personal details, DPA come's into play, so will be unable to deal with your request. nore would they be able to print it all out, or post it to you.
I would be rather unhappy to find that any tom, Dick or Henretta, could have acess to my details at home where they can sit with their partner, or even just a housemate, have a coffee and chat about what is on my file.
I am sure they will get back to you when they can.
Now, enjoy the sunshine and stop worrying.I'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.Comment
-
Fair comment. My gentle reminder was in fact a request for an eta, but given the situation perhaps that's even an optimistic request.
What strange times we live in, but I do have a very tidy house atm.Last edited by Night Monkey; 15 April 2020, 10:50.Comment
-
The plot thickens. Apparently the information was posted to me by first class mail on 23rd March, so I suspect it's sitting in an 'out' tray in their mailroom. I'm most looking forward to seeing the 'System file notes' but I suspect it will be some time before I receive anything.
Oh well, back to the gardening.Comment
-
More likely it is somewhere in the postal systemLegal Disclaimer
I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.
If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.Comment
-
I ignored an 0800 number which Google reveals to be PRA, so chasing one (or both) of the credit card payments. I won't block it for now so that I can log how regularly they call.
Followed 20 minutes later by a letter from Wescot regarding the Santander card - StepChange no longer acting on your behalf, contact us urgently, etc. Ignored & filed.Last edited by Night Monkey; 12 May 2020, 12:13.Comment
-
Originally posted by Night Monkey View Post
As if you didn't already know that since it was you who cancelled the DMP
DiComment
-
Letters from HSBC noting lack of payments for CC & overdraft, and receiving no response from StepChange request that we contact them. Also 'threaten' to resume collections activity which 'may include calls and letters' apparently. Updated relevant posts on page 1 and filed letters.Comment
-
Originally posted by Night Monkey View Post
Unless I've misunderstood, HSBC have still not complied with your CCA Requests for both of these accounts sent in September 2019
Don't send a SAR to them yet - maybe these accounts will be assigned to a debt purchaser next.
DiComment
Comment