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  • #61
    Originally posted by nightwatch View Post

    Bummer

    Not necessarily

    Di

    Comment


    • #62
      Originally posted by DeaconsRevenge View Post
      Barclaycard Platinum
      • Type of account - Credit card
      • Date commenced - December 1989
      • Approx balance - £12,100
      • Date last 'full' payment - Dec 2016
      • Arrangement - payment plan agreed (£13 per month) Last payment made March 2020
      • Status - defaulted Apr 2017
      • Account owner - PRA.
      Jan 2018 (I need to confirm this) - debt passed on to PRA - payment plan continued as previously arranged
      Jul 2018 - PRA made an F&F offer of of 40%
      18th March 2020 CCA Request sent
      21st March 2020 Letter received from PRA acknowledging request and returning payment as "a gesture of good will"
      24th April 2020 Letter received from PRA "Broken arrangement" "If you fail to contact us, collections activity, including letters and phone calls will recommence"
      11th May 2020 email from PRA forwarding correspondence from Barclaycard (dated 7th April!) Contained a "reconstituted copy of credit agreement together with a copy of the terms of the credit agreement as varied in accordance with Section 82(1) of the Act". Forwarded to Niddy for his comments.
      14th May 2020 Niddy has deemed this one definitely UE.

      October 2020 Letter from PRA stating that account is now with their Litgation Dept. 30 days notice before "account is considered for the next stage which would be for putting you on notice that court proceedings may be brought against you"

      Nov 2020 Letter Before Claim Received
      25th November 2020 SAR request sent to Barclays
      11th December 2020 SAR received from Barclays
      Dec 2020 Letter received from Barclaycard "We're giving you a refund of some interest, default fees and charges on your account". to the tune of approx £50. "You don't need to do anything to claim your refund as we aren't going to send the payment to you". Looks like a nice Christmas gift for PRA then!

      3rd February 2021 Claim Form received.

      4th June 2021. Claim discontinued by PRA after the intervention of JCS. ?
      Well, It has been a few months of fun and games with PRA but thanks to the invaluable help of Di and Joanna, Colin and the team at JCS, we now have a discontinuance. PRA slope off back into the shadows with a split lip and bloodied nose for their efforts! Long may they stay there!

      Comment


      • #63
        Such great news, I am very glad to hear it

        Well done to you and to all who assisted.

        It certainly shows that receiving a claim form from a creditor is not the end of matter and in many cases they can be defeated
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • #64
          Originally posted by DeaconsRevenge View Post
          thanks to the invaluable help of Di

          Happy to have played my part in helping you to sort this

          Di


          I don't give advice, I share wisdom. Whenever the chips are down there's always a Plan B

          I'm a fully qualified mother which is the hardest exam I've ever sat. I have other more formal qualifications which are less important


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment


          • #65
            Nice one, well done all xxx
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • #66
              Originally posted by DeaconsRevenge View Post

              Well, It has been a few months of fun and games with PRA but thanks to the invaluable help of Di and Joanna, Colin and the team at JCS, we now have a discontinuance. PRA slope off back into the shadows with a split lip and bloodied nose for their efforts! Long may they stay there!
              It was a pleasure to help you with this. I hope it is reassuring for other forum members that should a creditor such as PRA Group (UK) Limited issue, the claims can be successfully defended, even when it appears at first blush that documentation is enforceable.
              Legal Disclaimer
              I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

              If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

              Comment


              • #67
                Trust me Jo,if the time comes you shall be my go to Lady of choice!

                Comment

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