AJ's UE Diary

[Ostrich]

Hi guys,

So, I've stuck my head in the sand for a long time with these debts and need to get on top of things.

I've just had a letter of claim from PRA group for 1 of the debts, who now own the debt.

Type of account – Barclaycard Credit Card (1)
Date commenced - 2001
Approx balance - £7,500
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Active
Account owner - PRA.

I haven't sent a CCA for this debt. Do I need to reply to the LBC or can I send a CCA now? I'm pretty nervous about the prospect of a CCJ.

Any advice greatly appreciated.

Claim form received... Far quicker than I hoped or expected. Trying to stay calm, but this is the first of potentially many, I guess.

Will contact JCS to see what the best next step may be in the morning.

[The Tech Clerk]

All updated now - everyone that said 'keep a diary'... good advice (who knew)! Never really considered the varying levels of contact I am getting on some accounts and not others before analysing this... Plus, it takes ages if you leave it as long as I have.

Doesn't seem to be much rhyme or reason to why some accounts are being chased harder than others, but maybe there is! Will definitely be keeping this up up to date going forward.

Hopefully accounts keep getting passed around DCA's for a while.

For clarity; L1nk, LC Assts - are they the same/linked company?

two different companies. link usually get debt passed on from LC Assts (Barclaycards in a lot of cases it seems).

[Ostrich]

All updated now - everyone that said 'keep a diary'... good advice (who knew)! Never really considered the varying levels of contact I am getting on some accounts and not others before analysing this... Plus, it takes ages if you leave it as long as I have.

Doesn't seem to be much rhyme or reason to why some accounts are being chased harder than others, but maybe there is! Will definitely be keeping this up up to date going forward.

Hopefully accounts keep getting passed around DCA's for a while.

For clarity; L1nk, LC Assts - are they the same/linked company?

[Ostrich]

Thanks for all the support guys. I have updated my diary for chasing accounts and will update remainder over the weekend.

As you can see, I haven't sent any CCA requests and following conversations with Gerry (thanks again) at Joanna Connolly Solicitors have decided to leave this for now on the account that is most threatening and see what they do next.

Not sure if this advice is the same on all accounts, but presume so for now! Any thoughts greatly received!

Other than the odd letter, it's mainly phonecalls, which I haven't answered, but may start blocking numbers anyway.

[Spud]

I haven't made contact with any of my creditors since I ceased payments around a year ago. I haven't CCA'd any of my creditors to date. While I understand better the position on responding to LBCs, is it arguably better to sit tight on sending CCA's for the other debts (ie ones that aren't currently threatening action)?

Sorry if this is a stupid question.

There is no such thing as a stupid question when it comes to AAD or dealing with Creditors/Debts - Knowledge is power and there are a wealth of knowledgeable and helpful people on here who have been where you are now and come out the otherside too, So never be afraid to ask

I can see that others on here have given you some very sound advice with regard to dealing with Creditors and of course representatives from JCS Solicitors regarding your recently received LBC from PRA. Regarding the LBC, You are in very safe hands with JCS. They have assisted me and many other members in the past and were fantastic. I would advise you to listen to their advice.

In many ways, not making contact with creditors for around a year is a very good thing, The old addeage of letting sleeping dogs lie is definately the way to go and something I would continue with if it were me.

It would be the traditional way to send any CCA requests earlier on in the interactions so that you had a clearer view of how each account was unfolding BUT, As you have not sent them, I would certainly NOT reccomend sending them now on spec - Sit tight and see what comes next. If you start to get correspondance from creditors, Post up here on your diary and members will assist

The trick is to not prompt creditors into action if they are leaving you alone and to respond correctly if they start making contact

All in all, Your seem to be doing a really good job of lying low at the minute - Long may that continue

[Still Waving]

If creditors are not making any threatening noises I would suggest not initiating any correspondence. I'm sure they would love to get into a dialogue with you, but don't do it.

In the meantime your updated diary on all accounts would give the forum a better picture of the current state of play. A properly maintained diary is the first step in getting back on top of things, and saves a lot of worry in the long run.

[Ostrich]

Having been absent on here for too long, I've been trawling through other diaries to get a bit more up to speed on everything.

I haven't made contact with any of my creditors since I ceased payments around a year ago. I haven't CCA'd any of my creditors to date. While I understand better the position on responding to LBCs, is it arguably better to sit tight on sending CCA's for the other debts (ie ones that aren't currently threatening action)?

Sorry if this is a stupid question.

I will update my diary properly (regarding contact from DCA's etc) in the coming days.

Appreciate the help!

[Night Monkey]

In my own battle with PRA I and my family are deeply grateful to Joanna Connolly for soundly defeating these Pariah's

And so say all of us.

[Roger]

Thanks to Gerry for speaking to me about this.

Need to have another think about the best way to move forward on this one and if/how to respond, but slightly less anxious about what may come next, either way!

There has been a change in AAD advice on receiving a LBC.
Tactics come into consideration and hence the suggestion to seek legal advice!
A good Diary will really help here and makes for good informed decisions.

In my own battle with PRA I and my family are deeply grateful to Joanna Connolly for soundly defeating these Pariah's

[Ostrich]

Thanks to Gerry for speaking to me about this.

Need to have another think about the best way to move forward on this one and if/how to respond, but slightly less anxious about what may come next, either way!

[Colin G Quinn]

Hi,

I have received your reply. I'll ask my colleague Gerry to give you a call, hopefully this afternoon, to explain your options etc. That advice is always free.

[Colin G Quinn]

Hi,

I have received your email and responded.

[Ostrich]

Thanks - I've emailed Colin. Will update when I hear back!

[Still Waving]

Thanks for your reply and advice.
So, ignore the letter before claim?
I guess I'm pretty anxious about receiving a letter from the courts!

Roger didn't say ignore it, he said contact Colin for best advice from a legal defence standpoint. You ought to do that without delay.

[Ostrich]

Thanks for your reply and advice.
So, ignore the letter before claim?
I guess I'm pretty anxious about receiving a letter from the courts!