Let the fun commence - 6 year journey starts here!

[Never-In-Doubt]

Re: Let the fun commence - 6 year journey starts here!

Hi guys

Hope you all had a good break Well i just got back from the Library and I have scanned my PRA CCA (15p a page at the Library!!! :P) Niddy/team - i have used the up-loader on the site to send my PRA documents. I hope it worked? I didn't send all the statements as there were about 30 pages, and at 15p a page i would have had to get into more debt to do that!! I also tried to send my Link documents but after 15 mins of scanning page by page, I realised i had been scanning the wrong side, so you will have about 30 blank pages too I'll do the Link ones again tomorrow.

Let me know if i need to do anything else
Thanks
Brussel

Hi

If you have access to a phone then you can take a photo to start with - saves going out of your way.

However this looks good, I cannot find anything wrong with the actual agreement itself and as it was from 2006 they have utilised the tick-in-the-box so they can easily remedy any errors within it.

The DN looks ok at first glance, however if you give permission to send through to planB then she can have a look over it with our solicitor - see if there is any 'devil in the detail' we can help with because PRA are very trigger happy so they might issue a claim, it's best to be covered on all angles 'just in case'.

So please clarify if you're happy for me to send the pdf to our solicitor to check for a definitive answer? That would be Joanna & Di.

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

There is no need to send all the statements, all you need is the agreement and terms and conditions.

Niddy is the only person who will see your paperwork.

Ok,great, thanks Cymruambyth hopefully i have done it correctly on the up-loader! I am having a bit of a making-stupid-errors day today!

[cymruambyth]

Re: Let the fun commence - 6 year journey starts here!

There is no need to send all the statements, all you need is the agreement and terms and conditions.

Niddy is the only person who will see your paperwork.

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

we all have days like that. lol

[nightwatch]

Re: Let the fun commence - 6 year journey starts here!

we all have days like that. lol

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Hi guys

Hope you all had a good break Well i just got back from the Library and I have scanned my PRA CCA (15p a page at the Library!!! :P) Niddy/team - i have used the up-loader on the site to send my PRA documents. I hope it worked? I didn't send all the statements as there were about 30 pages, and at 15p a page i would have had to get into more debt to do that!! I also tried to send my Link documents but after 15 mins of scanning page by page, I realised i had been scanning the wrong side, so you will have about 30 blank pages too I'll do the Link ones again tomorrow.

Let me know if i need to do anything else
Thanks
Brussel

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Yes send Niddy CCAs to check over if he needs anything else he will let you know, remember not to block out your details as it's extremely secure .x

Chin up petal !!

My chin is up Nanna, thanks No point stressing I will scan all over once i get to a scanner! Have a good weekend

Thanks

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

. . . . and breathe . . .

May I ask you some questions

You say this was a Virgin/MBNA credit card account opened in July 2006.

You say your last payment was in January 2017 (to whom?)

So my first question is where did the account go between 2006 (MBNA) and 2017 (PRA)?

My second question is do the names Experto Credite or Varde or Aktiv Kapital mean anything to you?

I have a reason for asking.

Di

Morning Plan B

My last payment was to PRA group in Februay 2017, and the card was with MBNA upto about Janaury/ Februay 2016 when they sold it to PRA in Feb 2016. No, Experto and Aktiv Captial have not featured yet on any of the letters The card was with Virgin, then MBNA, and then PRA group. No-one else yet

Thanks
Brussel

[PlanB]

Re: Let the fun commence - 6 year journey starts here!

My heart sank a little today, when i received some CCA documents from PRA (Only took them about 30 days to find the info).

. . . . and breathe . . .

May I ask you some questions

You say this was a Virgin/MBNA credit card account opened in July 2006.

You say your last payment was in January 2017 (to whom?)

So my first question is where did the account go between 2006 (MBNA) and 2017 (PRA)?

My second question is do the names Experto Credite or Varde or Aktiv Kapital mean anything to you?

I have a reason for asking.

Di

[nanna58]

Re: Let the fun commence - 6 year journey starts here!

Yes send Niddy CCAs to check over if he needs anything else he will let you know, remember not to block out your details as it's extremely secure .x

Chin up petal !!

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Ok, let me know if I am doing this all wrong! I am a newb so go easy on me

Debt #1

• Type of account: Credit Card MBNA (formerly Virgin)
• Date commenced: July 2006
• Approx balance: £9,300
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status: Account Defaulted November 2016
• Account owner : PRA group

CCA request sent to PRA early March 2017. Nothing received yet; no phone calls, just a letter saying we have received the request and will seek the info.

I did phone PRA group once a few months back (on the advice of Stepchange!!) before i had researched all this, and i may have admitted this debt (i cannot recall all the convo) SC told me to call them to tell them i will be missing a payment! I know now, that calling them was a rookie error. Hopefully i haven't stiffed myself here if this ever were to reach court!

April 13th 2017: Letter received from PRA group supposedly fulfilling their obligations regarding my CCA. It has reams of statements from MBNA, and a 2 page agreement with some tick boxes... I was hoping they would spend about 6 months trying to find this info, as it was a pre 2007 card!

Hi guys

My heart sank a little today, when i received some CCA documents from PRA (Only took them about 30 days to find the info). I believe i send the documents to Niddy right? Do you need all the MBNA statements too? or just the important stuff?

On the same day, Link have sent their reconstituted CCAs too! will send everything over when i have a chance. And just to kick me when I am down, Nationwide sent me a letter telling me to pay up!! I am being triple teamed here by all these guys!!

Anyhow, no worries. Have a good Easter everyone

Thanks Guys

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

No good crying over spilt defaults, ( see what i did there) x

Ahh very clever Nanna!

[nanna58]

Re: Let the fun commence - 6 year journey starts here!

No good crying over spilt defaults, ( see what i did there) x

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Idealy they should default before selling on, but Barclays seem to think they can make up their own rules, just wait and see what happens x

Thanks Nightwatch

I'll guess I will have to wait for Link to issue the default. Shame really, as i could have been a year into a defaulted debt by now if they followed the normal procedures!

[nightwatch]

Re: Let the fun commence - 6 year journey starts here!

Idealy they should default before selling on, but Barclays seem to think they can make up their own rules, just wait and see what happens x