PRA Group CCA Request

stu12345_2

they found mines and mines was 11 years old Barclaycard credit card

I have been negotiating for them to write my debt off, they need 3 months bank statements to show I only have one low paid job and other paperwork such as gas, rent, council tax bills.

I showed them proof I have exactly £0 left at end of month and take me to court I dare you, you will get a ccj of £0 lol.

it's their best interest to write it off.

but I went down the DRO route where I'm awaiting result in next 72 hrs where it's an automatic write off anyway 

DjangoUnchained

stu12345_2 said:

they found mines and mines was 11 years old Barclaycard credit card

I have been negotiating for them to write my debt off, they need 3 months bank statements to show I only have one low paid job and other paperwork such as gas, rent, council tax bills.

I showed them proof I have exactly £0 left at end of month and take me to court I dare you, you will get a ccj of £0 lol.

it's their best interest to write it off.

but I went down the DRO route where I'm awaiting result in next 72 hrs where it's an automatic write off anyway 

if you havnt been paying them then 11 years would be statute barred. i f you have been paying them you should stop. Dont need to prove you cant afford it, just tell them.

stu12345_2

my debt was only bought 2 years ago  very quickly by pra from Barclaycard when I got into financial problems paying Barclaycard , the first 9 years were fine and manageable 

RAS

Stu, thought you were doing a DRO, anyway?

stu12345_2

I am doing dro but started negotiating with pra about a write off 2 months ago, then I proceeded with dro application soon after where I now await to find out if dro has been approved 

freshstart2023

I requested mine in January, received the standard acknowledgement and still nothing since, they haven’t even chased me at all 🤷‍♀️

DjangoUnchained

freshstart2023 said:

I requested mine in January, received the standard acknowledgement and still nothing since, they haven’t even chased me at all 🤷‍♀️

most likely they wont be able to get it. They will leave you alone for months possibly years and then start bombarding you with calls, texts maybe emails. Just ignore and block. six years soon passes.

danski39

Hi - I’m in a pretty similar position to the OP - so read all the above with interest and hope it’s okay if I piggy back this thread with some questions relating to my own situation?

My CC debt of just under £2k was sold by Barclaycard to PRA at start of this year after a few months missed payments.  happened during a particularly bad patch and I only got up to speed on state of play in Sept when I ploughed through a backlog of post. By that point PRA had escalated and passed to solicitors who sent a couple of letters warning of court etc. 

To cut to the chase, I contacted the solicitors and assured them I was keen to find a solution to repay. at that point I’d read none of the info here or on debt camel and my response was a bit knee jerk. But after a subsequent exchange they asked me to propose a monthly affordable repayment amount etc.

On reading the info here and on Debt Camel I decided I should do  a CCA request and on 3 Oct I stated as much to PRAs soliticors. Immediately got a response which I assume is standard where they said account would be put on hold while they requested the info from PRA.

On 30 Oct they sent by email - not post - the following attachments:

 1) a whole load of copy statements that look like computer generated records rather than copies of actual statements.

2) a set of generic terms and conditions which may or may not be the ones that applied at the point I took the credit card - not sure how I can tell.

3) a copy of a  letter from Barclaycard to PRA responding to their request for the info I asked for which said:

“Please find enclosed documentation under Section 78 of the Consumer Credit Act 1974 for our

mutual client as requested.

We have enclosed the following documents:

Short form cancellation

Historic terms and conditions

Varied terms and conditions”

4) A copy of a letter supposedly sent by Barclaycard to me on the same day in October (which seems odd as I am no longer their customer and I didn’t receive it anyway). This letter reads:

” Dear Mr XXXX

REFERENCE:SECTION78 OFTFIECONSUMERCREDITACT1974

I refer to your request for information.

The information we must provide to you under the terms of Section 78 of the Consumer Credit Act 1974 \(the "Act"\) is prescribed by the Act and by the Consumer Credit \(Cancellation Notices and Copies of' Documents\) Regulations 1983. Section 78 of the Act provides that, where a creditor receives a Section 78 request, the creditor shall give the debtor a copy of the executed agreement \(and any document referred to in it\)and a statement of the account.

I enclose a reconstituted copy of your credit agreement together with a copy of the terms of your credit agreement as varied in accordance with section 82\(1\) of the Act. This is a statement of the terms of your agreement with us and incorporates any variations to the terms made since you entered into this agreement. However, the interest rates, fees and charges set out in the agreement, may differ from those we have discussed with you, due to the current status of your account.

A statement of your account is below:

The current credit limit on your account is £0.00

The current balance on your account today is £Xxx

Due to the current status of your account, the full outstanding balance is now due.

This completes our obligations under Section 78 of the Act.

Yours Faithfully

XXX

Enclosed - Short form cancellation, Historic terms and conditions and Varied terms and conditions.


Apart from the fact that sending info via email rather than hard copies seems sub par to me, I can’t see anything apart from generic ts and cs and computer records of my account and the two letters above.  and I can’t see why Barclaycard are writing a letter to me this month which PRA have a copy and are forwarding to me. Does that all add up to a satisfactory response to a CCA request? I realise now that I made the request via email and didn’t send £1 PO (!!) - does that mean I am not actually entitled to a full response?

Any comments and suggestions on the above and on what my response should be would be much much appreciated.

Thx a lot