sebaab's diary

[PlanB]

Re: sebaab's diary

CCA request now sent!

May I ask who was the original creditor of this account opened in 2008?

It appears to be almost a year to the day since PRA sent you that LBA. Have you heard nothing whatsoever from them in all that time?

Di

[sebaab]

Re: sebaab's diary

Debt 4
Type: Credit Card
Start Date: 2008
Balance: 5.2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
Status: default
Account Owner: PRA Group UK (original creditor Barclaycard)
Key:
sent
received
other information

Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
20 Jan 2016 from PRA Group "Your account is being managed by our investigations and Litigation Department to look at your outstanding debt for possible litigation recovery." "If we do not hear from you within 14 days we will move to the next stage"

8 Feb 2016 from PRA Group "This is a letter before claim as required by the Practice on Pre-Action Protocols, to give you notice of PRA Group's intention to issue court proceedings against you" Gives details of the "written agreement" that I entered into.

9 Feb 2017 CCA request sent to PRA Group

CCA request now sent!

[Never-In-Doubt]

Re: sebaab's diary

OK I will. When you say sign it, do you mean with my proper signature?

Slightly different but yea, pointless having them reject the request then issuing a claim so I'd sign personally.

[nanna58]

Re: sebaab's diary

The CCA is sent to whom ever is chasing you, then sit back and wait ,see what they send and let us know xx

You can sign digitally , make sure you send recorded and keep the receipt as proof of posting, oh and include £1 postal order.x

[sebaab]

Re: sebaab's diary

Send CCA asap - today.

Yea they may issue a claim but to do so when in default of your s.78 request is a mistake so send CCA as soon as possible - sign it to avoid delay / a claim.

OK I will. When you say sign it, do you mean with my proper signature?

[Never-In-Doubt]

Re: sebaab's diary

Update from PRA

Send CCA asap - today.

Yea they may issue a claim but to do so when in default of your s.78 request is a mistake so send CCA as soon as possible - sign it to avoid delay / a claim.

[sebaab]

Re: sebaab's diary

Ideally don't use your normal signature.

Send a cca if not already, to PRA, yes indeed. no need for LBA - purely as you've never done a CCA yet. So do a CCA asap. Just the CCA & £1 fee.

* Ordinarily i'd say send a LBA as Roger advised but there's no CCA so right now they probs think you're just not paying. Do the CCA but keep any LBA for post s.78 request threats.

Thanks Niddy I will sign with a squiggle. The CCAs will be sent today recorded delivery. I'll update once done.

[sebaab]

Re: sebaab's diary

Debt 4
Type: Credit Card
Start Date: 2008
Balance: 5.2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
Status: default
Account Owner: PRA Group UK
Key:
sent
received
other information

Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
20 Jan 2016 from PRA Group "Your account is being managed by our investigations and Litigation Department to look at your outstanding debt for possible litigation recovery." "If we do not hear from you within 14 days we will move to the next stage"

8 Feb 2016 from PRA Group "This is a letter before claim as required by the Practice on Pre-Action Protocols, to give you notice of PRA Group's intention to issue court proceedings against you" Gives details of the "written agreement" that I entered into.

Update from PRA

[Never-In-Doubt]

Re: sebaab's diary

Ideally don't use your normal signature.

Send a cca if not already, to PRA, yes indeed. no need for LBA - purely as you've never done a CCA yet. So do a CCA asap. Just the CCA & £1 fee.

* Ordinarily i'd say send a LBA as Roger advised but there's no CCA so right now they probs think you're just not paying. Do the CCA but keep any LBA for post s.78 request threats.

[sebaab]

Re: sebaab's diary

Hi all, regarding the CCA request - do I sign it with a pen or digitally sign it? Also, regarding the LBA I need to send to PRA - do I send them a CCA request too? thanks in advance, Sebaab

[sebaab]

Re: sebaab's diary

To the company managing the account.

Thanks!

[JLC]

Re: sebaab's diary

Thanks I'll get that done Roger

- - - Updated - - -

Do I send CCA requests to the original creditor or debt company dealing with the account?

To the company managing the account.

[sebaab]

Re: sebaab's diary

You should immediately send PRA a LBA . They issue Claims in their own Right.

Thanks I'll get that done Roger

- - - Updated - - -

Do I send CCA requests to the original creditor or debt company dealing with the account?

[Roger]

Re: sebaab's diary

OK I will do that from now on. I will send CCA requests now also. The threatening letter wasn't from a solicitor. It was from the debt recovery company

You should immediately send PRA a LBA . They issue Claims in their own Right.

[sebaab]

Re: sebaab's diary

OK I will do that from now on. I will send CCA requests now also. The threatening letter wasn't from a solicitor. It was from the debt recovery company