CCA Reconstituted Agreement enforceability

Hi

long time lurker who has gained a huge amount of knowledge from the bored.  I’ve searched the forum and can’t find a conclusive answer to this so felt I had to reach out.

I’m in a self managed DMP.  PRA Group bought my Barclay card debt.  I sent them a CCA request flowing which they sent me a year’s worth of statements and confirmed they couldn’t provide all of the required paperwork and as a result the debt was currently unenforceable.

A week or so ago I received 2 copies of agreements with terms and conditions with the acknowledgment they were reconstituted.  Both copies had different addresses that I have lived at since having the Barclaycard.

However neither of the agreements has the address I lived at when I took out the agreement (over 10 years ago).

The letter states they are putting a 14 day hold on my account.  It does not state whether they’ve changed their position on it being unenforceable.

I feel they haven’t satisfied the CCA request with the address omission.  I’m not sure what my next steps should be?

Assume they still consider it unenforceable as they’ve not told me it’s changed?

Do I raise the address issue with them or ignore them?

Any help greatly appreciated.

Comments

  • DjangoUnchained
    DjangoUnchained Posts: 512 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    i Had similar, I just wrote back and said this wasnt compliant to what i requested, please send me  the required documents ( dont want to give them any clues to what they need).  They wrote back months later saying they were waiting for the papers (lol)  Never did get them and the debt became statute barred, happy days.
  • sourcrates
    sourcrates Posts: 31,302 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    You can express to them, you feel they have not fully complied with your request under sec 77 CCA.

    They may take a different point of view, they may not, and that may determine how they deal with you.

    Remember, only a court can decide this conclusively, so its all about who backs down first.
    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-letter
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.4K Banking & Borrowing
  • 252.9K Reduce Debt & Boost Income
  • 453.3K Spending & Discounts
  • 243.3K Work, Benefits & Business
  • 597.9K Mortgages, Homes & Bills
  • 176.6K Life & Family
  • 256.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.