Hello.

I received reconstituted CCAs from PRA but I don't know if they are enforceable.

One is a micro copy and needs a magnifying glass to read it, the other has zero personal details on the relate to me.

I have looked at various sites and read info but I just...

Hi I wonder If I could have some advice please. PRA Group are chasing for a debt for MBNA. I wrote to PRA asking for information Sections 77-79 CC Act 1974 and got the following response " I Refer to your request for copy documentation regarding the above account. Please find enclosed documentation...

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...

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'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....

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Name of Claimant
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How much...

Hiya I received a letter from PRA group (is there any way I can attach it?) I am 7 months from debts being SB.
Letter says "settlement offer call now and the single payment settlement option. Full and final settlement" .
But then... " should you make the discounted,...

Hi all anybody had any dealings with this lot at PRA GROUP BUCHANAN CLARK AND WELLS HAVE RETURNED IT TO THEM funny I ain't heard of them before

Hi

We, as a couple, have about £85k of debt. We have been with Stepchange for one year and have just moved to self-managed. We decided to CCA our one credit card which pre-dated 2007. Their initial response was a load of rubbish with current T&Cs. We went back (advice from the brilliant...

Your AAD Forum Username
Name of Claimant
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Who Signed the Claim Form?...

I had visited this site on many occasions.
Like so many my problems started with the Banking crisis. I was self employed and the money simply dried up. Cards were like confetti.
In 2011 the Bank stopped paying essential Bills and cancelling Direct Debts. In April 2012 I bit the bullet and...

As the subject title suggests - if you've ever had a Virgin branded MBNA Credit Card (pre 04/2007) then you'll be pleased to know that it WILL be Iredeemably Unenforceable - we've won a great case and found some fatal flaws and got judgment in our favour.

So, if you receive a claim from...