CCA's, PRA and general advice

TheDebtinator

Hi all,

I'm after some advice and information please.

I have a debt with NRAM. It was with McKenzie Hall until I made a CCA request. They passed it to NRAM who have now passed it to PRA Group. Are PRA Group a debt collector or just a company who manage the debt? I want to try and clear this, but I do not and will not have access to the outstanding amount for quite some time, and I just want this off my back. If they are a DCA, has anyone had any success with offering Full and Final Settlements?

I also have another two debts with different creditors. I sent them CCA requests last summer which have never been fulfilled, so as a result I have not been making any payments to them. I would however like to get these cleared as I still feel the weight of them on my back. After all this time, am I in a good place to offer Full and Final Settlement offers on these debts? Should I start very low?

The 6 years default date anniversary is September next year, so hopefully after that time I can start to rebuild my credit profile.

Thank you.

glentoran99

PRA are a debt collector

sourcrates

Chase up your CCA requests as a matter of urgency.

You need written clarification as to weather the creditor holds the correct paperwork, or not.

You can't take these matters for granted, just because they have not responded to you.

Send this to them :


Dear Sirs,

Account No: XXXXX

I refer to my letter dated XXXXXX in which I made a formal request under the Consumer credit act 1974 sec 77-79 for true copies of the regulated agreement refered to in the above account number. You are reminded that you are obliged to supply these under sec.189 whether you are the original creditor or not. I also enclosed the statutory fee of £1.00 for this account at the initial request.

To date you have failed to comply with my statutory request and have defaulted in respect of this account, nothing whatsoever has been supplied despite your claim. Additionally this alleged agreement is unenforceable until such time as the default is removed or enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as the default is removed.

Consequently I am ceasing all payments to your company until such time as this matter is resolved. It is also my intention to report this matter to the appropriate enforcement authority.

I await your prompt response.

Yours faithfully [print name]

fermi

PRA Group is the new owner or name for Mackenzie Hall.

They do debt purchase and just acting for the original creditor. If actually sold, they must send a notice of assignment saying so.

TheDebtinator

Thank you. I saw someone else who was offered advice from this forum to not bother chasing when the CCA was defaulted.

Is there any wording I should apply with regards to chasing the CCA? Since I requested the CCA's initially, the debts are now with different CCA's (Cabot and Marlin).

Fermi, the letter I have received today states that they have been instructed by NRAM to pursue me for the above principle sum.

The debt is for an unsecured loan (125% mortgage). When the house was sold, the mortgage was paid, but the extra on top was turned into a loan. The letter states that I am liable to pay the outstanding amount as the property was sold for less than the sum owed. I aren't sure how relevant this is, as reading it appears that they think its for a mortgage, not a loan?

Thanks.

fermi

In that case the debt has not been sold.

fermi

Similar to sourcrates letter --> http://forums.moneysavingexpert.com/showpost.php?p=68420401&postcount=31

TheDebtinator

Thank you both. I'll get that sent off asap, then plan my next step.

I assume with PRA, they aren't going to be very open to a Full and Final offer?

TheDebtinator

BTW, in these cases, do I now contact the new creditors? Will they have been passed all of my previous correspondence?

TheDebtinator

Letters printed and ready to send

TheDebtinator

If they still cannot find my original cca's, what position does that put me in?