My Diary

[Night Monkey]

A few years ago AAD would say ask for this and that with the LBC.
But the DCA's used the LBC to get their ducks in a row and then come back and SUE!

This is the advice I was given when PRA came after me in October '20 - wait until they issue court papers before asking for documentation then the clock is ticking down while they do it. Ask before and they have all the time they need to prepare.

Assuming they have access to them and it's not SB, of course

[Roger]

If/when the LBC drops, I'll be getting JCS on the case.

A few years ago AAD would say ask for this and that with the LBC.
But the DCA's used the LBC to get their ducks in a row and then come back and SUE!

Tactics as well as Law play their part here. Hence a good Diary is important for good decisions.
JCS are at the top of their game!!

[ca71]

If/when the LBC drops, I'll be getting JCS on the case.

[Pat]

I suspect they will never be able to come up with your CCA. This happened to me after sale to Cabot- even though Natwest had provided a totally compliant S78 response. Might well be something in the assignment but that is just a guess.

For me , they called me and I said they had not complied, they closed both accounts thee and then - but I am not saying that is what you should do, especially as it is for a large amount.

[The Tech Clerk]

Not real one just freigtener before 5 page official letter before claim

[ca71]

is this an actual LBC, is it just a one page letter or are there other pages with tick boxes A-onwards?

Just a one pager.

[ca71]

No response ever to your CCA request?

Nope.

[nightwatch]

Letter from MCS re: Debt 2- I have 26 days to respond else court action will commence.

is this an actual LBC, is it just a one page letter or are there other pages with tick boxes A-onwards?

[Still Waving]

Letter from MCS re: Debt 2- I have 26 days to respond else court action will commence.

No response ever to your CCA request?

[ca71]

Letter from MCS re: Debt 2- I have 26 days to respond else court action will commence.

[ca71]

Letter from Cabot re: Debt number 2 and a referral to Mortimer Clarke Solicitors. Filed.

[Roger]

Assigned to PRA Group in 2017.

I only asked because PRA had issues in earlier years.
Frankly it seems odd to send a Assignment Notice that refers to an earlier Date and 5 years late!
For this reason I should keep that letter safe.

[ca71]

Assigned to who exactly?
How many years earlier?

Assigned to PRA Group in 2017.

[Roger]

Had contact from PRA at my new address. Included was a sheet (dated this month) headed 'Notice of Assignment' which states the account was assigned to them a number of years earlier. Also, included was a 1 pager called the Fair Processing Notice which PRA state they are obliged to send to me under the Data Protection Act 2018.

Duly filed - I await further contact.

Assigned to who exactly?
How many years earlier?

[ca71]

Had contact from PRA at my new address. Included was a sheet (dated this month) headed 'Notice of Assignment' which states the account was assigned to them a number of years earlier. Also, included was a 1 pager called the Fair Processing Notice which PRA state they are obliged to send to me under the Data Protection Act 2018.

Duly filed - I await further contact.