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Debt 2: Mastercard
I sent a CCA request 2017 (I think).
I've had further communication with PRA who sent another copy of the agreement which Niddy has deemed to be UNENFORCEABLE!!!
13/12/19 - email from PRA stating that “After careful consideration, I would advise that we are not willing to accept your offer at this time. The reason for this is we do not have enough information relating to your current finances to give us full picture of your circumstances.”. This case is also being looked at by the Disputes department.
16/1/2020 - email from PRA Disputes department stating:
"I note that on the 20 August 2018 we sent a letter, advising that as we are unable to supply a copy of the original agreement, the account it is unenforceable. My apologies as this was incorrect, as we had provided a reconstituted copy, which included Historic and Varied terms and conditions and short form cancellation, as such we deem the account enforceable. However, only a court can make this decision and at present we are not considering legal action. I have included a further copy of the reconstituted agreement for your records. Please the statement of account from Barclaycard is out of date, as payments have been made since they provided this."
Also included Recon and Historic and Varied T&C
21/1/2022 - email from PRA for both accounts:
“Since you last contacted us, your accounts have been on hold and I hope that you've been keeping well.
We're contacting you for an update on your circumstances and to see how we can help you move forward with your accounts.
Depending on your specific circumstances, there could be different options for us to explore;
I am going to ignore, unless I hear otherwise from you.
Debt 2: Mastercard
- Credit card
- c1994/95
- £1,900
- Last paid September 2019 (DMP)
- Arrangement (DMP via Stepchange)
- Default - date April 2014
- Account owed by PRA
I sent a CCA request 2017 (I think).
I've had further communication with PRA who sent another copy of the agreement which Niddy has deemed to be UNENFORCEABLE!!!
13/12/19 - email from PRA stating that “After careful consideration, I would advise that we are not willing to accept your offer at this time. The reason for this is we do not have enough information relating to your current finances to give us full picture of your circumstances.”. This case is also being looked at by the Disputes department.
16/1/2020 - email from PRA Disputes department stating:
"I note that on the 20 August 2018 we sent a letter, advising that as we are unable to supply a copy of the original agreement, the account it is unenforceable. My apologies as this was incorrect, as we had provided a reconstituted copy, which included Historic and Varied terms and conditions and short form cancellation, as such we deem the account enforceable. However, only a court can make this decision and at present we are not considering legal action. I have included a further copy of the reconstituted agreement for your records. Please the statement of account from Barclaycard is out of date, as payments have been made since they provided this."
Also included Recon and Historic and Varied T&C
21/1/2022 - email from PRA for both accounts:
“Since you last contacted us, your accounts have been on hold and I hope that you've been keeping well.
We're contacting you for an update on your circumstances and to see how we can help you move forward with your accounts.
Depending on your specific circumstances, there could be different options for us to explore;
- Affordable payment plans, based on your latest budget information
- A lump sum payment offer to close your account also known as a settlement
- Providing an end date on the account so that you can plan ahead
- Breathing space and/or short, medium or long term account holds
- Write off, only in exceptional circumstances
I am going to ignore, unless I hear otherwise from you.
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