Hi everyone, Received a letter from The PRA Group this morning, kindly complying with their "Legal obligations" by sending me a statement of my account with them for the year. This is an old Barclays Bank debt which defaulted back in 1991! Unfortunately I was made redundant at the time, fell into debt and lost my home. To be brutally honest, I'd completely put this period behind me and eventually got back into shape. I even have my mortgage and bank account with Barclays now. What concerns me a bit is a line in the letter threatening a black mark with the CRA's. Is this just a threat as the original debt defaulted and was on my credit report for over 6 years. I understand it's well past the Statute Barred period. Should I keep the home warm by throwing this letter on the fire?

I am looking for some advice. I received a txt today from CRS (Credit Resource Services) stating "We are now able to offer you an amazing 50% settlement. Please call CRS on 01444 449 165 between 08:00 and 6pm in order to agree with us. This confused me as i wasn't aware i owed them any money so i called up to see what this was about. According to them it was a Gym membership from Nov 2012. They claim that i had spoken to them in March 2013 and agreed to provide proof of address as i had moved away from the area in Feb 2013 around 80 miles away. Now hears were i got confused, I recall speaking to the Zinc Group about this query on 04/04/13 and they agreed that as long as the proof was sent to them that the account would be closed so i got a letter of my local council to say when i moved out of the council house which was 23/02/13. From which i have never heard any reply about this. And in speaking to the Zinc Group today, as far as they are aware the account is closed. CRS are adamant that there is over £200 on the account outstanding and they can reduce this to £165. I told them that as far as i am aware the account was closed and that i wasn't going to pay them a penny. They said they would put the account on hold for a week and the call me back? why i don't know. I did when i decided to cancel the membership speak to staff in the Gym and they just said its fine. As i moved and was at the time suffering from Severe Depression and Anxiety and this info was relayed onto the Zinc Group as all the harassment was making things worse. At the time of signing up i was unaware that it wouldn't be with the Gym but with some other company. Any help or advice on what to do next would be Greatly appreciated.

Hello all, I can't quite believe this forum and site exists with such great advice and information!! well done to all involved. Now on to my problem (amounts slightly varied to keep anonymity) I was lent £20,000 from an ex employer who also happened to be my boyfriend at the times family business (big mistake) It was lent on the basis I would repay it when I could. Interest would not be charged. some unfortunate events happened and I had to stop working for them. I offered 3 dates when I would return the money in instalment. The first date I kept and paid them the £10,000 as promised. Unfortunately relations with them went down hill and I had stored around £10,000 worth of goods at their home. They were not being forth coming with returning my items or even allowing me to pick them up. I wasn't sure and still am not if my items still exist. And so I decided i would offer the second installment in person at their home so I could pick up my belongings. I sent over 20 emails offering dates saying I would happily give them the cheque. I heard nothing back. Sadly a few months later I became ill and have been signed off work for 6 months and been away from my home recovering. Unbeknown to me during this time they had sent one email to my sister asking for my address in which my sister responded saying she couldn't give out my location as I was very ill and she didn't feel it was ok to raise this subject with me. Forward 5 months when I return to my home in England and I have a ccj issued against me and I have x amount of days to pay. I sent a letter straight away to their lawyer stating I had been ill and I would have responded if I had received the letters. They responded saying I had 15 days to reply. 3 days later I sent an offer letter to their lawyers along with doctors notes to prove I was sick. I am currently waiting for their response. But I am very very worried because A. I have a ccj against my name and I would really be grateful of any advice setting this aside? Can I do it on the basis I never received it because of my illness? B. I am on the understanding I only had 28 days after the ccj was issued to come to an agreement or they could go to court to issue baliffs etc? It is day 25 today! ANY HELP so much appreciated. Very stressed and trying to remain calm so I don't get sick again! Kind Regards x

Name of the Claimant ? PRA GROUP (UK) LTD Date of issue – 27/7/16 Date to submit defence = XX (33 days in total) - 29/8/16 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1.The claimant claims the sum of 3330 for debt and interest. 2.On 22/3/95 the defendant entered into an agreement with LLOYDS for a loan under reference 44xxxxxx. 3.On 25/3/04 the defendant defaulted on the agreement with an outstanding balance of 2750. 4.On 24/6/13 the debt of 2750 assigned tp Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who assigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. 5.Payments of 27.85 received up to 15/10/13 AND THE CLAIMANT CLAIMS 1. The sum of 2700. Statutory interest pursuant to Section 69 of the county courts Act 1984 at a rate of 8.00% per annum from 15/10/13 to 26/7/16 and thereafter at a daily rate of .6 until judgement or sooner payment. What is the value of the claim?3603.72 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? loan When did you enter into the original agreement before or after 2007? before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? don't know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? on debt management plan but stopped payments because most of the debts had been sold on and the dcas had not responded to my cca requests What was the date of your last payment? Oct 2013 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? yes What you need to do now. Answer the questions above If you have not already done so – send a CCA Requesticon to the claimant for a copy of your agreement - done (except for Overdraft/ Mobile/Telephone accounts) Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards - done I have acknowledged and said I intend to defend all the claim.

Hello, I have had the PRA group on my case for a while. Things escalated when in a letter they threatened court action. I issued them with a pre action letter in July & did receive some documents back but not all inc the credit agreement. Subsequently they lodged a claim in court. I replied with my defence. This was in late September. I have now received correspondence & some more paperwork from PRA stating that they will be proceeding with the claim & have notified the court. My understanding is that because they did not send me the full paperwork when requested in my pre action letter (CPR request) in July. It should be unenforceable? I appreciate your help in my next steps! Many Many Thanks Riggz

Hi there, I have a problem with Hoover candy group and I don't know what to do . I bought a cooker/hob for my mother and within months it broke down. I called the engineer who came and said this hob is useless I will tell the company to sent a replacement. We waited and nothing came. When I called them they said the engineer has ordered a part when he told us you will get a replacement. We had to wait a month for the part(no cooker-no apologies). It was fixed after a month but the heat was really low. It broke down again nearly at the end of the year. The engineer came again(the same person) and after 5 minutes decided to leave and say the hob if fine. Now I keep receiving invoices from Hover Candy group of the amount of £64.50 for the call out even though the hob was still under manufactures warranty but the engineer is pretending the hob was fine and he was called for no reason and for that he is charging us the amount. I keep calling them to say that you need to come and inspect the hob as one of the plates is still not working and the rest are producing very low heat that you need at least two hours to make some pasta. I am at my end wits and i don't know what to do. Is there any suggestions? Anybody had the same issue? what do i do as i am not going to pay. Thank you in advance for taking the time to read my complaint.

Hello, I hope someone on this forum with more knowledge than me can help! I have an old date with MBNA (currently £6,723.58) which was passed on to PRA Group for collection some time ago. I'm with stepchange for other debts and all debt companies have agreed to allow me to pay £1 per month. I asked PRA Group to provide me with original docs and they have replied that they had to request these from the original creditor and are currently unable to provide this. They said they would 'freeze' my account until they had a reply from MBNA and that I did not need to continue to make token payments until they had a reply. The next letter from them said MBNA are "currently unable" to provide docs and they apologise for being unable to fulfil my request at this time. They go on to say: "This means that we have classified your debt as currently "unenforceable", which means that we are unable to take court action against you to recover the outstanding balance. This does not mean that your debt is wiped out." and end with "We look forward to your proposals whilst your account remains on hold." So far so good, but how can I get the debt wiped out, as it is clear that they cannot enforce it legally? Do I need to start making token payments again? I would be glad of some advice as I feel this is a bit of a victory whilst it is on hold but not sure how to proceed. Thank you so much for your time.

Hello I was moved to the esa support group in August/September this year, but I received a letter from DWP this morning telling me to go and meet my job coach on the 11th January 2017. The letter says that I must take steps to prepare for a return to work when I am able and says that I must also tell them about work-related activities that I've done. They also give a warning about my payments, saying that they know how important the payments are to me! They say that they want to help me keep them, but in return I must do work-related activities. Its all very confusing to me, so can anyone help me with some advice? Thanks.

Hello! It seems I am another persons struggling with CRS/Harlands etc etc. Way back in 2012, I entered into a gym contract with Fitness First in Leeds whilst at University. I then moved back home (40 miles away) and called Fitness First and asked them to transfer my "home" club to being back at my parents home, they said this was fine. Fitness First then shut down my local gym, I called them and they said everything was cancelled and that they were sorry for any confusion. I then found a DD on my bank account to "Harlands" in around February/March 2013, went into my bank, said I didn't know who this was and they reversed the charges, I didn't hear anything at all. Then came emails in August 2013 from The Zinc Group, asking me to contact them. Being a naive early 20's anxiety ridden mess, I only communicated with them once to tell them to stop calling me. This went on for a few weeks as I ignored their calls, then I heard nothing from them. Roll on to Friday last week (December 9th 2016) and I receive a text message from CRS saying "Please call CRS today on 01444 449*** as your account has now been returned to us from the Zinc Group. We're open between 8:30am and 6pm" I then received an email asking me to contact them regarding my account at TruGym Leeds (which is what the Fitness First turned into - I never stepped foot in the place), and I have received another email this morning asking me to contact them today, other wise they will pass it on to Spratt Endicott Just looking for some advice really. I don't think they have my correct address as I have not received anything in writing from them, and old emails from Zinc have my old student house address on them. The balance is apparently £193.35, but I do not plan on paying them a penny. I do not have a copy of my old contract with Fitness First, and I have never signed ANYTHING with TruGym Leeds. I never even set foot in the building to my knowledge. If anyone could advise what I need to do next that would be great. Should I continue to ignore everything from them? Seems a bit strange for them to contact me three years since they last attempted to. I genuinely thought all this had gone away. Thank you for taking the time to read this, you lovely bunch of people!

Hi Guys Been a while since I have been on the forum, previous thread was a few years back about link financial and spectrum in the debt management forum. One of my creditors was Lloyds TSB bank loan of £20,000 to clear credit cards, although that never happened but that's another story. The loan dates back to 2005 and was defaulted in 2007 due to wrong advice from spectrum financial protection, during the time with spectrum, BLS collections collected the payments from spectrum until the debt was assigned to AKTIV KAPITAL PORTFOLIO AS, OSLO,ZUG BRANCH in 2013, and then on to PRA group in 2014, (if I remember right, aktiv changed to pra). This debt is in my wife's name only, and she is very frightened as to where this is going. Since Aktiv and PRA have been involved with this debt, they have sent letter after letter, every week, and have also been harassed by them from constant phone calls, I mean at least 2 everyday if not 3 for the last 2 years. We have never answered one of them, just pick up their messages, and have never replied to any of their letters. 2/6/16 usual threat of court action. 25/6/16 letter before claim, they wanted me to acknowledge and answer by the 11/7/16, but I did not. 5/7/16 cca request sent to PRA group 7/7/16 confirmation of cca request letter from PRA with my £1 postal order returned as they do not require it for my request. (unlike link who previously charged it to my account) 29/7/16 claim form To this day we have not received cca from them. We are not disputing that we owe the money to Lloyds and will happily pay at a sensible amount per month, I dispute that I owe PRA money plus the stupid amount of interest on the claim form, I didn't want it to get this far but guess its to late now outstanding balance - £15,905 Amount claimed - £19008 Hope someone can help as don't know what steps to take next, my wife is having kittens in the kitchen at the moment and really wouldn't cope with a court appearance if it comes to that. Thanks in advance Chris

I received a letter from PRA Group recently. It states: ================================= We write further to the above and to inform you that your account has now been transferred to the investigations and litigation department. This is a letter before claim as required by the Practice direction on Pre-Action protocols, to give you notice of PRA Group's intention to issue court proceedings against you. You should consider the contents of this letter carefully and seek legal advice or alternatively contact one of the free agencies detailed on the enclosed document. We specifically refer to paragraph 4 of the Practice Direction and set out in that paragraph are the courts powers to impose sanctions for failure to comply with the practice direction. You will recall that you entered a written agreement numbered xxxx on or around xx/xx/2006 with Varde Experto (The creditor). The agreement was regulated by the consumer credit act 1974. The agreement obliged you to make payments, however, in breach of the agreement you failed to make thos payments and are now in breach of the agreement. By a notice of default the creditor required you to remedy the breach within the prescribed period and gave notice that, in default of so doing, you would be liable to pay the monies due and owing. However, you did not remedy the specified breach within the prescribed period and you then became liable to pay the creditor the sum of £xxxx By an assignment in writing dated xx/xx/2012, the creditor assigned the debt to PRA group. Then by notice in writing the creditor and PRA group wrote to you to notify you of the assignment. PRA group has made further written and oral requests for payment of the sums but you have not paid the sum due and owing. If after considering this letter you take the view that you do not owe £xxxx then we look forward to receiving your reasons why you take that view plus supporting documentation. We do not presently envisage that expert evidence will be needed in this claim. This letter should be treated as an invitation to refer this dispute to mediation or some other form of alternative dispute resolution (ADR). In addition this letter triggers certain time limits that effect you: 1. You are expected to acknowledge and answer this latter before claim by xx/03/2016. 2. You are expected to respond to the invitation to refer this matter to ADR by xx/03/2016. We look forward to receiving your letter in reply, responding to the claims made against you and / or setting out your proposals for settlement / payment. We are prepared to discuss repayment options if this assists you. If we do not hear from you within the above time limits then court proceedings will be issued against you which may increase your liability for interest and costs. If you have any difficulty in complying with the above limits please explain the problem to us as soon as possible and we will consider a reasonable request for extension. Yours sincerely Litigation manager PRA Group (UK) Ltd. ================================= Information: I have never spoken to PRA group, or acknowledged any previous letter. The original credit card account was opened in 2006. I do not recall the original provider, but it was not Vadre Experto. The default occurred in 2010. It is therefore due to drop off by the end of this year (two defaults have already dropped off my file, and my score is starting to improve - I'm well aware of my past mistakes and errors in judgement). The amount owed is less than £2000. Should I: A) Write to them by recorded / special delivery, asking to see a true copy of the agreement they refer to, providing them with a £1 postal order in payment of the statutory fee (if the price has changed, please advise). Also ask for a certified copy of the original default notice, and a deed of assignment from when the debt was sold on (I do not have any of the above at this point). I believe I can give them 28 days to supply this? B) Ignore the letter above, and do it if / when I receive a claim form from the court? C) something else. I don't know whether to ignore them, try and draw it out until the default drops off my credit file, speak to an actual solicitor. Thanks in advance for your advice.

I have received a claim form from PRA group for an old lloyds credit card debt. I have acknowledged service and said I will defend it all. Prior to this I had sent a CCA request years ago which they ignored and kept sending me letters offering a discount if I paid up this month I received a letter before action. I replied with the pre protocol letter they sent a letter saying the info might take some time to get, a photo copy of a an application form and agreement with some terms and conditions on the other side then a claim form and then a letter saying the debt had been sold to them. The claim details are as follows: The Claimant claims the sum of 8000 for debt and interest. On 1/1/02 the defendant entered into an agreement with LLOYDS for a credit card under reference XXXXX. On 7/12/06 the defendant defaulted on the agreement with an outstanding balance of 6500. On 24/6/13 the debt of 6500 was asigned to Aktiv Kaptial Portfolio AS, Oslo Zug Branch, who assigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. Payments of 60.00 received upto 15/10/13 AND THE CLAIMANTS CLAIMS 1. The sum of 6500. 2 Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8% per anum from 15/10/13 to 14/7/16 and thereafter at a daily rate of 1.42 until judgment or sooner payment

Hi all I am very worried as I have received a County Court claim form from PRA Group. This is in relation to an alleged debt they claim to have purchased from MBNA in 2012. I have received various letters from them in the years since then, several with 'gift vouchers' attached to reduce the alleged debt. This always led me to believe that they were just angling for contact so I ignored these. I have requested the CCA previously, and after a long delay one was produced, but their written correspondence then reduced. Recently (in June) I received a 'letter before claim as required by the Practice Direction on Pre-Action Protocols' dated 23/6/16. I responded on 2/7/16 by requesting the CCA again and stating 'I do not acknowledge any debt to your company'. I received a further letter from them on 7/7/16 entitled 'Information as requested' and with a CCA attached. However this was followed very shortly by a County Court Claim Form dated 25/7/16. They are claiming the alleged debt, a court fee and legal costs, plus Statutory Interest. I am worried by this and also because they are trying to include Statutory Interest at 8% from 27/11/12 to 22/7/16. Are they allowed to do this? I read in other threads this is not allowed to be part of a claim? I have attached their PAP letter, their response to my CCA request and the CCA, and the County Court claim form below. Any help would be greatly appreciated as I am really worried about this. PRA_Group_PAP_CCA_Claim.pdf

Hi, on the 13th August I was referred to Ingeus by my JSA Advisor and told to expect a call off them. On the 15th August I had a severe epileptic seizure caused by stress and was given a sicknote for 12 weeks by my doctor. He thinks, due to me being severely depressed and prone to more seizures, that I should be on ESA. I closed my claim for JSA on the 17th and opened my claim for ESA on the same day. Later that day I had a letter from Ingeus telling me to attend on the 27th. There were no mentions of sanctions or anything like that, but it caused me to become very agitated. I called the number on the letter (their general enquiry number I think) and the man, without asking for any details, told me I still had to attend. Is this correct? My JSA claim is now closed and my ESA claim is being processed. I've never met nor spoken to Ingeus before, so do I still need to go? I'm very ill at the moment and this might make me worse I fear. Obviously in 13 weeks if they put me in WRAG, that's a different situation but right now I am very ill. Any info on this would be very very appreciated!

name of the claimant ? pra group (uk) limited date of issue – 05 sept 2016 AOS done 7th sept .filing the defence? by 4pm Friday 7th October what is the claim for – the reason they have issued the claim? 1. the claimant claims the sum of £1900 for debt and interest. 2.on 0i/12/89 the defendant entered into an agreement with lloyds for an overdraft under reference (here is bank sortcode and account number). 3.on 03/11/09 the defendant defaulted on the agreement with an outstanding balance of £1500. 4.on 24/06/13 the debt of £1500 assigned to aktiv kapital portfolio as, oslo zug branch who itself assigned the debt to pra group (uk) ltd 5.on 31/12/14. notices of assignment were sent to the defendant in accordance with s136 law of property act 1925. payments of £10 received up to 17/07/13 and the claimant claims 1. the sum of £1500 2. statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8% per annum from 17/07/13 to 02/09/16 £376.33 and thereafter at a daily rate of 0.33 until judgement or sooner payment. what is the value of the claim? £2,070.00 is the claim for a current account (overdraft) or credit/loan account or mobile phone account? current account (overdraft) when did you enter into the original agreement before or after 2007? before has the claim been issued by the original creditor or was the account assigned and it is the debt purchaser who has issued the claim. PRA GROUP were you aware the account had been assigned – did you receive a notice of assignment? no did you receive a default notice from the original creditor? dont know was in psychiatric hospital have you been receiving statutory notices headed “notice of default sums” – at least once a year ? no why did you cease payments? originally in 2009 i lost my job due to mental illness and could not repay my overdraft. a repayment plan was subsequently agreed with lloyds of £5 a month as i was unable to work (still ill) what was the date of your last payment? july 2013.i maintained the repayments to that date after that i continued to try to make the repayments by standing order but the payments were returned. was there a dispute with the original creditor that remains unresolved? no did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? yes. details provided and monthly repayments agreed and always made until they started being returned to account. if you have not already done so – send a cca request to the claimant for a copy of your agreement (except for overdraft/ mobile/telephone accounts) i have not done this as claim relates to overdraft. is this right? Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards Request 2 - Current accounts i have read this and adapted it as best i can and will post it registered delivery tomorrow. i am new to this site. i have received a claim form from pra group for an overdraft with lloyds that i had when i had a breakdown in 2009 and was taken into hospital and lost my job. was making payments to lloyds of £5 per month from dec 2009 to july 2013 after that the standing orders were returned to me by lloyds. i also had a loan with lloyds and that was transferred to different debt purchaser and i continued to make repayments on that to date. so no i didnt know the overdraft debt had been transferred. i did not receive notice. i have read the guidelines on posting and i hope i am complying with them. any help at all on dealing with this claim would be very much appreciated. i have read that there are posts on the legal success forum that will help draft a defence. i .looking through this now. have i done the right things so far please. sorry about the caps. its.just that red font isnt coming up. i am trying to make my answers stand out for ease of reading

Hi all, Hope somebody can help i've done a lot of reading before posting here but just need to check a few things The story is i 3 days ago i received a ccj claim form from PRA Group/ northampton county court for a mbna credit card that i took out in 2011 and defaulted in 2013 . The original default amount was £3000 and with interest and costs is now over £4000 Now i selected defend part of the claim on the mcol gateway site so i'd get 28 days to prepare,i i'm hoping to just pay them off and stop a ccj if i'm honest as i did just ignore my debts when my marriage failed back then ,now i've got my life in order i just want this sorted. Is it right i get a breakdown and hopefully get rid of the interest and charges is this possible? This was what i planned to do: 1- send a s.r.a with £10 to MBNA 2 - send cpr 31.14 to pra group with £1 postal order I'm guessing these should be sent first thing recorded delivery on monday as the clock is ticking? I've made a letter for the cpr 31.14 that i'll put up minus details if somebody is good enough to advise me,i'd be very grateful. Thanks, metalman

Hi All Just a quick question. My partner is signed up for local authority gym on an annual contract . This month his wage was paid a little later than usual and he missed DD - but then when money came in this DD was taken fine. However all of a sudden we received a letter that they will be taking a £20 admin charge as well? I called them and sad its illegal and they cant justify such a charge however they said its part of the contract and thats it! I am about to write complaint to their customer services ? is there any other suggestions on what I can do as I am sure its unreasonable charge thank you

Hi guys, I'll be ringing up the company tomorrow and Wanted to know what they are like dealing with ? Thanks

Hello, I just received email from Graham High Group Limited - Loss Adjusters that insurer approved our claim. Does Anyone know how long takes to have refund ? We have to pay our Contractor to start do works and no idea how long takes the payment process THANK YOU

Hi, I am looking for a little advice. I received a claim form from the county court business centre from the claimants Pra group. I then completed a CCA request and CPR request, which the claimant and their solicitors did not fulfil. I filed my defence, and was updated by the claimant they would provide the documents in due course. The claim was then allocated to the small claims track, and mediation was offered. I had to refuse mediation due to not having all the documentation, which the mediators recommended. Within two days the claimants solicitors sent all the documentation from the CPR and CCA requests, not sure if they were trying to avoid mediation. I have the signed agreement from the credit card but I am a little confused. The agreement was signed by me on the 4/10/2011 with bank of Scotland Plc for an aqua credit card and stamped with I guess an internal stamp on 10/10/2011. The particulars of claim state that it was an agreement with progressive credit ltd entered into on the 12/10/2011. As the dates and the company do not match is this an issue, The particulars of claim state default was made on 18/7/2012 but that last payment was December 2011. The assignment from progressive credit to aktiv kapita was on the 24/1/13 however the particulars of claim states 29/1/13. All assignment documentation has been provided finally. They have also provided me with the notice of assignment from activ kapital to Pra group, but only the letter from Pra not activ kapital, is this sufficient? Any advice would be welcomed, thank you. It is just following the provision of documentation they have advised me to withdraw my defence, and I am unsure if this is correct how I would go about doing it, as I do not want a ccj on my credit file, and do not have the fund to pay in full. I will set up a payment plan if they own the debt, it is just it seems debts have been passed from pillar to post and I want to ensure I am paying the right person for the correct debt.

hiya all. just got a letter from PRA group about a debt i have of roughly 2 grand. they are saying they are going to get brodies LLP scottish solicitors on to me (im in glasgow, scotland) im wondering what powers these people have - i.e. do they have any right to come to my house and seize goods? under scots law. im sure only sheriffs officers have the right to come on to my property under scots law. i know that simple debt collectors are trespassing by coming to my house just not sure where i stand with a local solicitor. thanks for any reply's! i will re - phrase that - who has the right to come on to my property? in scotland.

Hi I have just checked my Experian report on Creditexpert and I have a default placed recently on my account from Lowell Group. I have never had any dealing or correspondence that I am aware of from this company. Would really appreciate any information or help on how I can challenge this. Thanks Mark

Who are they and what is there purpose..

Hi there, I'm looking for a bit of advice on a gym membership gone wrong. I was a member at Xercise4less in Renfrew, I joined within a couple of days of the 8.7.14 on a 12 month option. By April 2015 I knew I was moving out the area and wanting to cancel after the 12 month period was up. I took a cancellation letter into main reception at the start May stating that my membership should cancel after my June payment. I didnt go again because I had moved house. It was only in January when I received a letter from CRS to my new address that I owed them £207.10 for missed payments of membership. I tried dealing the centre direct but they refused saying it had been handed over to the 3rd party. After reading on here I seen I wasnt the only one with the problem so I used a couple of the template emails that I seen and sent them off. All was quiet till April when they gave me an option 'to pay significantly less' and close the deal. It was still £140 they wanted so I ignored them. Now it has been passed over to the Zinc Group after receiving an email from them yesterday. Sorry for being long winded here but can anyone suggest what I can do next to get this lot of my back . They are a nightmare, not to mention a stress I can do without at the moment! Below I have put copies of the most recent emails CRS and the new one from Zinc. What frustrates me is that they had my email and mobile number the whole time but didnt once think to get in touch that way. Thanks in advance, Chris CRS email: Dear....... Re: CRS Ref No: / Xercise 4 Less Ref No: Further to our previous correspondence, we initially wish to advise that letters regarding your arrears have been sent to you on 27th October 2015, 11th December 2015 and 12th January 2016 prior to our letter of 5th February 2016. These earlier letters, however, were sent to the address you supplied, which was ********, Renfrew, Renfrewshire, . We have had to employ tracing agents to locate your current address and our costs in doing so have been added to your balance because of this in line with the terms of your agreement. The balance of £207.47 consists of three missed payments of £9.99, three £25.00 administration fees, £66.50 recovery fees and £36.00 trace fee. We have contacted the club regarding your request for cancellation and have been advised that: "This member never filled out a cancellation form and did not follow procedure, she has offered to pay us 9.99 for her final direct debit payment. This was refused." For the above reasons we must advise that the balance of £207.47 is correct and due. As a goodwill gesture we are willing to accept £132.47 as final settlement of this debt if paid in full within 7 days. Payment can be made by Credit/Debit card by calling us on 01444 449165. Alternatively, cheque/postal orders should be made payable to Credit Resolution Services and sent to CRS, 2nd Floor, Rockwood House, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW. A payment plan can also be set up if you are unable to settle in full, although we do charge a little extra for this. If you are experiencing financial difficulty, there are organisations who offer free debt advice and assistance such as Step Change (0800 1381111), National Debtline (0808 8084000) and your local Citizen Advice Bureau. Please ensure a payment or response is received within the next 7 days, so we can avoid further action being taken. Yours sincerely, David Castle Collections Department Zinc Group email: Dear Sir / Madam, Welcome to the Zinc Group, we have been instructed by our client to assist you with the resolution of your account . We would therefore like to invite you to review the options we have made available to you as a priority customer, these have been designed to make the process as simple as possible while ensuring that you have full control of your circumstances. At Zinc we understand that not all of our customers are the same, but we are committed to treating all of our customers fairly. You can visit our website...................or contact your personal account manager in order to: Client CRS on behalf of Xercise 4 Less Your Zinc Reference Your Client Reference Current Balance £207.47

The Credit Today Awards 2016 was held two days ago and the Best Vulnerable Customer Strategy Award was given to Marston Group. The Credit Today Awards is the largest awards ceremony in the industry. Marston Group received the award for a range of vulnerability initiatives established throughout its business, in support of customers that are potentially in need.