PRA and CCA Request response - Account put on hold

Roxy71

Hi, I have debts on a step change DMP and have decided to ask for CCA for all to check if they are enforceable. None are now on my credit file, as too old.
I have started by requesting a CCA from the PRA Group and received a reply about 10 days after I sent my letter to say that they are requesting further paperwork from the original debtor MBNA. They have stated that they have put my account on hold and will not collect payments until they have received the information from MBNA.

Stepchange will continue to send them their payment unless I instruct them not to. I assume I should hold off stopping the payments with Stepchange until I hear from them again or at least for a month or so to give them time to find (or not) the documents.

Would you just sit tight for a while now and wait to hear from them?

Thanks in advance

sourcrates

OK, so you have posted here as well.

The credit agreement is always retained by the original creditor, and its standard practice, under sec 77 of the consumer credit act, to place accounts on hold when a request is made under the aforementioned act.

During that time a creditor cannot enforce their rights under that agreement, nor can they take payment from you.

This process is not always quick, guidelines allow 14 days, in reality, it can take 14 weeks or longer, sometimes up to a year, before any response is received.

At this point, they may be able to provide a re-constituted copy, or they may not, either way, I would cease payments until you know either way.

Roxy71

sourcrates said:

OK, so you have posted here as well.

The credit agreement is always retained by the original creditor, and its standard practice, under sec 77 of the consumer credit act, to place accounts on hold when a request is made under the aforementioned act.

During that time a creditor cannot enforce their rights under that agreement, nor can they take payment from you.

This process is not always quick, guidelines allow 14 days, in reality, it can take 14 weeks or longer, sometimes up to a year, before any response is received.

At this point, they may be able to provide a re-constituted copy, or they may not, either way, I would cease payments until you know either way.

Thanks, I thought I'd posted here the first time but then couldn't find it so posted again, sorry. I can't seem to delete from the other place.

Roxy71

Should I speak to Stepchange about this as I am on a DMP with them? I assume even though PRA say they will not take further payments that Stepchange will continue to send them the payment set up on the DMP.

sourcrates

Its anyone's guess really, they might write back with the information next week, or they might not, I would ask them to hold payment if I were you.

Rob5342

It took them 4 months to say my debt was unenforcable after I sent them a CCA request. I would stop paying them until they tell you it's enforcable.

They phone me every day or two but I've blocked the number and just delete the answerphone messages they leave.

DjangoUnchained

They have been waiting for my CCA for over 5 years now, i have never made them any payment. I have blocked their phone number as they are now ringing me every day. Doesnt bother me.  I assume if they were going to take any action they would have tp write to me or i would recieve something from the court. Im not going to engage with them until im sure the debt becomes statute barred.