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Barclays sold debt to PRA Group - Advice
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Reconstituted is OK for a copy supplied under s78, but it must be accurate. They can't just cobble any old rubbish together.
I would suggest to start that you carefully read the info in this link
https://www.handbook.fca.org.uk/handbook/CONC/13/?view=chapterFree/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
They have now sent back a bunch of statements with some transactions on them and just some terms of them that are printed on the statement. The letter said they are stil awaiting documents to fullfill the request.
Thoughts?
I'm also guessing I should await more before sending a Full and Final Settlement?0 -
So PRA have responded to the Egg account with basically the account details (DOB etc) on a bit of paper saying they are awaiting further documentation.
The Barclays one from 2011 they have supplied with smilar but just account numbers and sign up date. With this the letter said to call their office within 10 days to reach a mutally acceptable agreement to settle the balance.
Am I reading this correctly and are they basically admitting they have nothing?
What relivence does the 10 days have? Is it best to reply in writing with an offer or call and find out?
Advise as always is appreciated.0 -
So PRA have responded to the Egg account with basically the account details (DOB etc) on a bit of paper saying they are awaiting further documentation.
The Barclays one from 2011 they have supplied with smilar but just account numbers and sign up date. With this the letter said to call their office within 10 days to reach a mutally acceptable agreement to settle the balance.
Am I reading this correctly and are they basically admitting they have nothing?
What relivence does the 10 days have? Is it best to reply in writing with an offer or call and find out?
Advise as always is appreciated.
Neither of those responses constitutes what I would call a valid credit agreement !!
There deadline means diddly squat, it seems obvious they cannot satisfy your CCA request.
You should of received, at the very least, a reconstituted version of your original agreement, anything else won't do, and renders the account unenforcable.
A piece of A4 paper with an account number on it just dosent cut the mustard.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
you're on a strong wicket, they don't have the cca and are desperate for you to come to some arrangement. Tell them no thanks.0
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