pra group account on hold

hoganone

im currently on a dmp with stepchange and recently sent a cca 78 request to pra group ( old mbna card) they have sent me a letter sayiny the account is "on hold" and need to wait 80 days to see if they can find my signature. so.. do i need to send an " account in dispute" letter after the 80 days or should i just stop paying them? thanks in advance

fatbelly

This is the old Mackenzie Hall group, isn't it?

I would stop paying them. They probably bought it for 1p. Are you sure they really own your old credit card?

hoganone

Im not sure its macenzie hall . It was experto credite, Then aktiv kapital now pra group

sourcrates

hoganone wrote: »

Im not sure its macenzie hall . It was experto credite, Then aktiv kapital now pra group

Done the rounds then !!!!!

Just wait until they get back to you, they will have to go back to MBNA, to get the agreement, or not, and will take some time.

You don't have to pay anything whilst they are trying to find your agreement.

glentoran99

sourcrates wrote: »

Done the rounds then !!!!!

Just wait until they get back to you, they will have to go back to MBNA, to get the agreement, or not, and will take some time.

You don't have to pay anything whilst they are trying to find your agreement.

think they are all the same people

fermi

Yes, MH is now PRA group.

fermi

12 working days after sending the CCA you could send.

Practically can't do much, but it does remind them that you are waiting and the request is not going to go away.

Dear Sir/Madam

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. This was signed for as delivered on the **DATE**

You have failed to comply with my request, and as such you entered into default on **DATE**.

The document that you are obliged to send me is a true copy of the executed agreement. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you/your client enters into default of said request.

This time limit has expired.

As you are no doubt aware sections 77/78 state:

If the creditor fails to comply with Subsection (1)

(a) He is not entitled, while the default continues, to enforce the agreement.

Therefore this account has become unenforceable at law.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter.

I look forward to hearing from you in writing.

Yours faithfully

sourcrates

fermi wrote: »

Yes, MH is now PRA group.

These companies change name like I change socks lol

They must be one step ahead of the tax man !!!!!

hoganone

finally recieved the agreement including the signature. does this mean they have fulfilled the request?

sourcrates

hoganone wrote: »

finally recieved the agreement including the signature. does this mean they have fulfilled the request?

Sounds like it, how old is the account ?

If it pre-dates April 2007, then certain prescribed terms should be shown, if they are missing, then you may be able to challenge its validity, however it's a bit of a minefield mostly depends on how far the creditor is willing to go.

hoganone

yes it pre dates 2007 by 10 years , what should it say?