Hi there,

I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.

I responded with a 10% offer to close the account stressing that it was unenforceable...

Another headache for PRA Group (UK) Limited today as we won another case against them in Walsall County Court.

The District Judge found for us in all our defence points - the agreement unenforceable, no evidence of assignment, bad default notice, non service of statutory notices and s.78...

‘“RECONSTITUTED AGREEMENT” – IRREDEEMABLY UNENFORCEABLE”
“UNREDACTED DEEDS OF ASSIGNMENT – NO ASSIGMENT PROVED”


So, held Recorder Bellamy in PRA Group (UK) Limited v Mayhew at Central London County Court on 22nd March 2017, at the end of a 3 day multi track...

Barclaycard Visa
Type of Account - Credit Card
Date Commenced – Approx 1996
Approx Balance - £7,514.06
Date Last Paid - > 9 Years Ago
Arrangement – The Debt Charity Formerly Known as CCCS

Status – Last Payment February 2017
Account...

Hi guys and gals

After a lot of researching and googling, i have decided to make nest on AAD

I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last...

So after months of deliberation I have decided to go down this route. I have debts both pre and post 2007 that are still outstanding. Is it worth sending off for post 2007 agreements as I get the impression these are exempt. Also do I send to the original lender or to the DCA? Any advice, including...

Hi all, I'm on a quest to clean up my Experian report and have two entries for the same debt which I need some advice with.
They are Lending Stream & PRA Group.

The entries read as follows:

Lending Stream:
Account Started: 28/01/2011; Default Balance: £788;...

Hi

Most of the debts I have are now managed or owned by DCA's having defaulted between Sept 2009 and June 2010. Mostly they're with Cabot (or derivatives like Marlin), Moorcroft and Cap Quest. Having kicked things off by inadvertently choosing one of the more litigious DCA's in PRA I wondered...

Hi

I was told about how helpful AAD is this week and even after just half a hour looking around that seems like an understatement! Could anyone help with this enquiry please? As general background I have multiple credit card accounts; all defaulted between Sept 2009 and June 2010; all are...

requested a cca from Pra group long story , in January I recieved a small box application agreement standard Mbna Abbey card type pretty unreadable with some terms on the back , some application details attached pretty basic print out attached , they said in the letter I would here no more from them...

Hi
I did mean to start this diary back in February but life got in the way.

So......
12/15 - ended payments to all our credit card accounts.

1/16 CCA'd all our CC's
-mbna (£21500) received a letter which said it was unenforceable.
-NatWest -£450...

Hi, I'm new on here so hopefully I'm posting in the right place!

I received standard letters from PRA Group on behalf of Verde Experto requesting payment or offering settlement terms for a credit card I'd originally taken out with MBNA in 2002.0 I have simply been ignoring all of them....

Hi,

Really pleased to have found this site

ok letter from Shoosmiths today

Our client Arrow Global ltd
re MBNA Europe Bank Limited - (Virgin Money Credit Card)
Balance 8880.07

so I guess I need to get a request as to what it is about, I...

Your AAD Forum Username
Name of Claimant
Name of Claimant's Solicitors
Claim Issue Date
Who Signed the Claim Form?...

RBS (Mint)

Credit Card
Commenced Oct 2006
Approx balance £8k
Date last paid Sept 2012

Status Default
Owner Cabot

I was introduced to a company called Highbridge in 2012.In September of that year I contracted with them to take over assignment...