Full and Final Settlement Options

SeeTheDoughnut

Well, my eyes have been opened! I’m so glad I asked on here before doing anything.  I’ve got my letters written to request the original agreements, so will get those sent off and await the result! 

Thank you all so much for the advice and your own experiences.  I will update once I have news, however long that may be!

stu12345_2

remember , they have to provide the agreement copy AND a statement of transactions,they sent me the agreement copy, then 3 months later a statement for transactions up until they bought the debt from Barclaycard.

then they say you have 30 days to decide a repayment plan, contact us.

in my experience, PRA are the most aggressive debt company, as in the amount of emails,, texts and letters.

moorcroft are the second worst

fatbelly

Just a reminder. Lack of an agreement in itself is not a barrier to a court claim, except for very old pre2007 agreements where there is a better argument

What you are looking for is unenforceability for failing to comply with a CCA s77-79 request, so you must do this properly

https://www.nationaldebtline.org/sample-letters/information-about-your-agreement-under-consumer-credit-act/

DjangoUnchained

freshstart2023 said:

DjangoUnchained said:

freshstart2023 said:

I sent a CCA request to PRA as soon as they purchased my barclaycard debt. I did this in Jan, I received an acknowledgement but I am still waiting to receive anything further…

I don't expect you will, I've been told by someone in the know that barclaycard rarely pass them on. Instead they may just send you a load of official looking bumf and copies of statements hoping you accept that.

Thankyou. I actually started to worry about it a bit recently incase I’ve missed something and they start legal action…do they usually respond to confirm whether they can or can’t locate it? 

In my case they simply said they were waiting for it from board and until then it remained unenforceable. They never did get it.  I recommend blocking their phone number, they will just leave a recorded message asking you to contact them, don't.  People saying pra are hard to deal with? I fou d them a bunch of !!!!!!.  On the couple of occasions when I did speak to them I made it clear I wasn't going to be intimidated by them, and wouldn't give them any details they wanted and made myself come across as uncooperative and told them if they have anything to say to me to put it in writing. No one should ever pay these clowns anything, ever.

sourcrates

Legal action and having CCJ`s is really nothing to fear, I know some employers don`t like them, but for the majority of people there is nothing to worry about.

I think its the phrase "Legal Action" that instils fear into folk, but honestly, all it does is grant a fixed affordable monthly payment for the debtor, the amount is set by the court, it has to be affordable, and the creditor cannot insist you pay more than the court tells you to, its a win win for you.

The whole process is by post and online, you normally don`t attend in person, with the process being so clear, and with all the information available online, I struggle to see why this is still viewed as a threat by so many in debt?

freshstart2023

DjangoUnchained said:

freshstart2023 said:

DjangoUnchained said:

freshstart2023 said:

I sent a CCA request to PRA as soon as they purchased my barclaycard debt. I did this in Jan, I received an acknowledgement but I am still waiting to receive anything further…

I don't expect you will, I've been told by someone in the know that barclaycard rarely pass them on. Instead they may just send you a load of official looking bumf and copies of statements hoping you accept that.

Thankyou. I actually started to worry about it a bit recently incase I’ve missed something and they start legal action…do they usually respond to confirm whether they can or can’t locate it? 

In my case they simply said they were waiting for it from board and until then it remained unenforceable. They never did get it.  I recommend blocking their phone number, they will just leave a recorded message asking you to contact them, don't.  People saying pra are hard to deal with? I fou d them a bunch of !!!!!!.  On the couple of occasions when I did speak to them I made it clear I wasn't going to be intimidated by them, and wouldn't give them any details they wanted and made myself come across as uncooperative and told them if they have anything to say to me to put it in writing. No one should ever pay these clowns anything, ever.

Thankyou, yes that is what I received from them back in January. I also don’t think they have tried to call me, I’ve heard nothing at all since 🤷‍♀️

DjangoUnchained

freshstart2023 said:

DjangoUnchained said:

freshstart2023 said:

DjangoUnchained said:

freshstart2023 said:

I sent a CCA request to PRA as soon as they purchased my barclaycard debt. I did this in Jan, I received an acknowledgement but I am still waiting to receive anything further…

I don't expect you will, I've been told by someone in the know that barclaycard rarely pass them on. Instead they may just send you a load of official looking bumf and copies of statements hoping you accept that.

Thankyou. I actually started to worry about it a bit recently incase I’ve missed something and they start legal action…do they usually respond to confirm whether they can or can’t locate it? 

In my case they simply said they were waiting for it from board and until then it remained unenforceable. They never did get it.  I recommend blocking their phone number, they will just leave a recorded message asking you to contact them, don't.  People saying pra are hard to deal with? I fou d them a bunch of !!!!!!.  On the couple of occasions when I did speak to them I made it clear I wasn't going to be intimidated by them, and wouldn't give them any details they wanted and made myself come across as uncooperative and told them if they have anything to say to me to put it in writing. No one should ever pay these clowns anything, ever.

Thankyou, yes that is what I received from them back in January. I also don’t think they have tried to call me, I’ve heard nothing at all since 🤷‍♀️

yes, you will probably go for a couple of years, in my case 4 years without hearing from them apart from an occasional statement with a discount offer. The all of a sudden they will try calling you every day. Just ignore them , they are powerless unless they can supply you with the cca,. They will call you with an automated message to call them. easy to block and ignore.

freshstart2023

DjangoUnchained said:

freshstart2023 said:

DjangoUnchained said:

freshstart2023 said:

DjangoUnchained said:

freshstart2023 said:

I sent a CCA request to PRA as soon as they purchased my barclaycard debt. I did this in Jan, I received an acknowledgement but I am still waiting to receive anything further…

I don't expect you will, I've been told by someone in the know that barclaycard rarely pass them on. Instead they may just send you a load of official looking bumf and copies of statements hoping you accept that.

Thankyou. I actually started to worry about it a bit recently incase I’ve missed something and they start legal action…do they usually respond to confirm whether they can or can’t locate it? 

In my case they simply said they were waiting for it from board and until then it remained unenforceable. They never did get it.  I recommend blocking their phone number, they will just leave a recorded message asking you to contact them, don't.  People saying pra are hard to deal with? I fou d them a bunch of !!!!!!.  On the couple of occasions when I did speak to them I made it clear I wasn't going to be intimidated by them, and wouldn't give them any details they wanted and made myself come across as uncooperative and told them if they have anything to say to me to put it in writing. No one should ever pay these clowns anything, ever.

Thankyou, yes that is what I received from them back in January. I also don’t think they have tried to call me, I’ve heard nothing at all since 🤷‍♀️

yes, you will probably go for a couple of years, in my case 4 years without hearing from them apart from an occasional statement with a discount offer. The all of a sudden they will try calling you every day. Just ignore them , they are powerless unless they can supply you with the cca,. They will call you with an automated message to call them. easy to block and ignore.

Thankyou, much appreciated. Fingers crossed  but I’m not sure I’m that lucky, this is my largest debt though so it would be nice 🤞

SeeTheDoughnut

Hi all! I have had a letter from PRA. They have sent me some statements and say that they are awaiting further documents, but state ‘We have currently deemed this debt as unenforceable’ so far so good!

The troubling part is that it says they are ‘still legally entitled to continue to report the account with the credit reference bureaux (as appropriate)’

Is this the case even if the default has already dropped off the credit file? We will be remortgaging in a couple of years, so can’t risk having it appear again!

Rob5342

No, defaults drop off six years after they were applied and can't reappear. DCAs want people to get worried and pay them so they don't point out this kind of thing.