PRA Group

[anon55]

Posting on behalf of a Female friend who is not a Techno Genius ,

 

She sent PRA a GDPR request, this turned up the other day, 

 

The letter with, stated that this was what they had on her,

unfortunately there are no copies of the letters she has received nor does it  include any copies of what they are saying is a ' Complaint '

 

She has written to them asking them to confirm that this is all the data they hold,

according as I read it from the letter it is,

 

I've advised her to make a complaint to the ICO as to PRA's shortcommings,

would this be the correct approach ?

 

thank you for your understanding

[fkofilee]

Hiya... 

 

What are you trying to get at with the DSAR from PRA...? 

 

 

[anon55]

She has received the data from PRA, but it doesn't include copies of the letters she has received, from reading their letter it says thats everything,  even I can see its not true, what she is asking is. is a complaint to the ICO in order ?

 

[dx100uk]

WHY has she requested this sar

what is the reason for it?

 

dx

 

[anon55]

She received a Letter offering her a settlement, from a supposed account she had back in 2014,

 

she has had no paperwork at all,

she has not moved,

 

She requested details which they have not supplied but keep on sending letters,

she was advised to SAR them to find our exactly what was going on,

 

They have sent paperwork she has never seen,

She has no recollection regarding this,

 

the paperwork that PRA have sent does not include any copies of the letters she has received,

they have sent telephone logs of calls they were meant to have made,

 

She did call them to try to get to the bottom,

from what she says the announcement at the start stated

' All calls are recorded for training and security purposes , 

This also was not included,

it also does not include any bank details

ie, Sort Code or Account number, is it a fishing letter ?

She is now getting worried that this could go further

 

[dx100uk]

settlement on what?

 

name the original creditor

and what type of credit they are wanting this discount settlement on they have bought the debt on

 

usually these letters mean they have poor or no legally enforceable paperwork but want to fleece people lining their pockets and resetting the SB date if her last payment is not outside of 6yrs.

 

ideally a CCA request should have been sent NOT an sar.

 

dx

 

 

[London1971]

SAR is useful to send the original creditor, to find out if there is reclaimable PPI, Fees and also when the last payment date was on the account, so that it can be determined if it's Statute Barred.  It is pointless to send one to PRA.

[anon55]

The original creditor according to the paperwork is ALL IN FINANCE ,She has never had a account with them, apologies for the late reply work commitments unfortunately