CCA Reconstituted Agreement enforceability

NotMoneySavingExpert

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.

DjangoUnchained

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

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.