Barclaycard sold to PRA

RAS

Yes:.................

sourcrates

As long as they stay in default of your request, your debt is unenforceable.

Doesn't matter what they may say, the only letter you must respond to is a court claim.

I would just get on with your life, and if a court claim ever comes, remind them of their failure to provide documents when requested.

DjangoUnchained

dont pay PRA a penny they are a doddle to deal with,. Just ignore them, block their calls, dont answer their emails and dont answer their letters. Just ignore for 6 years  then tell them to %$£" off as it becomes statute barred.

Superkitten76

is this just empty threats by email or shall I reply to reiterate they haven't provided the information I requested? 

PRA Group UK Portfolios Ltd purchased your Barclaycard account on February 17th 2025 and we have been trying to resolve this matter with you ever since. Unfortunately, at the time of writing this letter, there is still not an agreement in place to resolve this matter. An outcome of this is that your account is now with our Investigations and Litigation Department to look at your outstanding debt for possible Litigation recovery. We want to work with you to help you clear your remaining debt in an affordable manner, and we have a fully trained team waiting to take your call. If we do not hear from you by July 19th 2025 then your account will be considered for the next stage which would be putting you on notice that court proceedings may be brought against you.

sourcrates

Standard computer generated threat of legal action, filled with if`s, but`s and may be`s.

You can remind them of their failure to comply with your sec 77 request, and give them 14 days to respond lol.

Superkitten76

sourcrates said:

Not yet seen a compliant credit agreement for any Egg card, the wording on the agreements was irrevocably
flawed.

Egg are the only company to have flawed agreements.

You need to obtain and check your CCA and where it should say "Credit Limit" it may well say "Approved Limit" in which case it is unenforceable for using wrong language on a regulated document.

Basically if your Egg agreement uses the term "Approved" as opposed to "Credit" then the agreement is unenforceable as the prescribed term "Credit Limit", is missing.

This is in addition to any other flaw that might be present.

Thanks Sourcrates, I've now receive a reconstitued agreement, how do I find out if its enforceable? It has the Egg section at the start which you mention and states 

3. Limit
We will tell you the approved limit we have set and, if different, the individual limit you have chosen for the account.


Later on in the document standard barclays tems have been appended which do state credit limit. 

sourcrates

You might want to run it past the experts on Legal Beagles, they are more in tune with legislative requirements than I am.

Superkitten76

Will do, thanks 

Freeatlast

DjangoUnchained said:

dont pay PRA a penny they are a doddle to deal with,. Just ignore them, block their calls, dont answer their emails and dont answer their letters. Just ignore for 6 years  then tell them to %$£" off as it becomes statute barred.

That's a risky assumption, my barclaycard was passed to PRA and they obtained a CCJ just 9 months after the original default, I had no direct contact with them. 

sourcrates

Freeatlast said:

DjangoUnchained said:

dont pay PRA a penny they are a doddle to deal with,. Just ignore them, block their calls, dont answer their emails and dont answer their letters. Just ignore for 6 years  then tell them to %$£" off as it becomes statute barred.

That's a risky assumption, my barclaycard was passed to PRA and they obtained a CCJ just 9 months after the original default, I had no direct contact with them. 

A glance at the OP`s posting history, would tell you that PRA Group failed to comply with a CCA request so could not supply the required documentation to the OP, therefore the debt they were chasing became unenforceable in court, which is why the OP employed the strategy they did.