CCA checks

[Warwick65]

As NW warned, be careful.
The ONLY claim I received (and there could have been many) was after I opened a credit card and used it. I paid it off in full every month although only small amounts . Lowell issued a claim for a capital one debt. Ironically since then I have had three capital one cards - used, abused and closed.

[nightwatch]

Have your debt become SB?
are PRA / Link or anyone else still contacting you for payments?

If your file is checked by the company's who own your debt, they will see you have applied for credit, that MAY, make them think you have money that could be paid to them, so COULD start the jolly merry-go- round again.

[Helpme34]

It may well come to their attention, if they decide to search your credit file then the application search by Natwest will show up.

it is a chance you have to take.

Thank you for your quick reply. What problems can this cause?

[nightwatch]

It may well come to their attention, if they decide to search your credit file then the application search by Natwest will show up.

it is a chance you have to take.

[Helpme34]

Hi all

I wonder if someone can answer a question I have.
All the above defaults have dropped off my credit file which I am now looking to rebuild as my fixed mortgage rate (extortionately high!) comes to an end at the end of the year.
My question is if I apply for a credit card would this come to the attention of the likes of PRA/LINK etc? I'm thinking of applying for a Natwest credit card as I had no debts with them and all my current banking is with them only.

Thanks

[nightwatch]

Nothing, you just have to wait and see what they do next.

[Helpme34]

sometimes we just have to wonder what is going on,

maybe they haven't been having a good time in court, so are trying to get you to pay something instead of wasting money on a court case the can't win.

So what should I be doing next?

[nightwatch]

sometimes we just have to wonder what is going on,

maybe they haven't been having a good time in court, so are trying to get you to pay something instead of wasting money on a court case the can't win.

[Helpme34]

Post #21 says this was originally an Egg credit card not a Barclaycard, or have I misunderstood (it happens )?

Yes it was an Egg card.

You have 30 days to reply (or not) to that Letter of Claim so take your time researching the full background before you respond.

Have you sent a Subject Access Request to Egg (Canada Sq Operations) if it was an Egg, and/or a SAR to Barclaycard where you’ll see any interaction between PRA and them?

Yes I sent PRA a CCA request in Jun 2018. On 20th June, they sent me a reconstituted copy of the credit agreement which came from Barclaycard. The cover letter stated that the debt was currently unenforceable.

I then received a letter dated 06 July, with a sheet showing the application had been made online. This showed my application details i.e name address etc. The cover letter again stated that the debt was currently unenforceable.

On the same day (6 July), PRA sent another letter enclosing a copy statement for May 2012 and Mar 2013 with the cover letter asking me to contact them to discuss a mutually acceptable agreement to settle the outstanding balance.

Di

So unsure why they are threatening court action!

[Joanna Connolly Solicitors]

• HELPME34's UE Diary

Barclaycard

• Feb 2009
• £3120
• Last full payment: July 2012
• DMP
• Defaulted Jan 2013– dropped off credit file
• PRA Group

Jun 2018 - CCA's requested
July 2018 - Paperwork received
May 2019 - deemed UE by Niddy
11 Oct 2019 - offer of a 10% discount off the full balance.
1 Nov - Letter Before Claim received from PRA stating I need to complete the form and return within 30 days or I'll be taken to court

Post #21 says this was originally an Egg credit card not a Barclaycard, or have I misunderstood (it happens )?

You have 30 days to reply (or not) to that Letter of Claim so take your time researching the full background before you respond.

Have you sent a Subject Access Request to Egg (Canada Sq Operations) if it was an Egg, and/or a SAR to Barclaycard where you’ll see any interaction between PRA and them?

Di

[Helpme34]

Thank you both for your prompt replies. I'll contact Di shortly.

[nightwatch]

Or email her xx

[The Tech Clerk]

0330 053 9340. you a LBA now is the time to get a free initial talk with Di @ 0330 053 9340.

[Helpme34]

• HELPME34's UE Diary

Barclaycard

• Feb 2009
• £3120
• Last full payment: July 2012
• DMP
• Defaulted Jan 2013– dropped off credit file
• PRA Group

Jun 2018 - CCA's requested
July 2018 - Paperwork received
May 2019 - deemed UE by Niddy
11 Oct 2019 - offer of a 10% discount off the full balance.
1 Nov - Letter Before Claim received from PRA stating I need to complete the form and return within 30 days or I'll be taken to court

Just came home from work and saw this letter. Please someone tell me what to do!!! Really scared

[Helpme34]

Hi Di

Apologies...I hadn't updated the post. Niddy is back and confirmed a few days ago that the paperwork is unenforceable. He said he couldnt say anything about the terms until they sent them to me.

So im assuming i just sit tight for now??