PRA and Barclaycard debt - CCA return just T&C's? not what I asked for... what next?

[Mikeindebt]

Hi, I've been looking and searching on the forum, but am struggling to find a guide that overs an overview of, say, credit card debt that's sold to debt collection agency. Of course I think it starts with a CCA request letter/postal order, but what next?

Is there a post that gives the sequence of letters with links to the templates? I thought there was but am struggling to find it for some reason? Did I imagine it?!

[marylikes]

Start here :

 

 

[Mikeindebt]

Thanks, I did that one to some of the debts (doing others this week), but an struggling with what to do if they don't reply vs if they do.

If they don't reply, I can just not pay and ignore them, right? But might they sell to another DCA then and have to re-do it? Or?

Also, if they don't reply is it worth doing a full & final offer just to get the debt off my record? Or?

[marylikes]

Generally as far as i understand if they do not reply, although you can "just not pay them" i would advise telling them you are not paying until they comply with a copy of your agreement. That should put them on hold when they will either supply a copy of your agreement or they won't. Just go from there first.

[London1971]

Simple, You send the CCA off, if they haven't responded to it within 12 plus 2 days, you don't need to do anything. Oh and for goodness sake don't pay any powerless DCA any settlement at all. You would be better off Sticking your money on red at the casino, or giving it to charity, or anything really but paying A DCA.

 

Oh and paying a 'settlement' will not do anything to remove the debt from your credit file. The debt will drop of your credit file , all by itself on the 6th anniversary of the default, becoming totally invisible to lenders, or anybody else.

[Mikeindebt]

So one of the DCAs (PRA) replied to my CCA request, first saying they're looking for it & debt is unenforceable for now till they find it. BUT...

Then they replied saying they have enclosed copy documents as requested... And sent their historic Terms & Conditions, NOT a signed CCA?!

I assume my next step is to reply to them in writing only, saying this is not a CCA and I require a CCA with my signature, not their historic terms & conditions? I couldn't seem to find a template letter for this, but if there is one, please let me know?

Thanks in advance

[Bazooka Boo]

No, do not respond to them, pointless letter tennis.

 

Have you already got a thread running on this case?

If not what's the story please?

How old, how much, when last paid, etc etc etc.

[dx100uk]

old and new threads merged.

can you scan all the return to one mass pdf 

read our upload guide carefully.

 

dx

 

[Mikeindebt]

Thanks for merging. Does that mean I just post to this one?

Issue is, they are now seemingly saying that the balance is due again as they have complied. Do I not need to reply saying they have not? (they say they supplied the requested docs).

I'll try to upload ASAP and will read the guide. In the meantime...

- Amount: £4,767.54

- PRA group - debt origin Barclays credit card

- Debt is a couple of years old now.

I'll try to upload asap, just concerned as they seem to feel they've provided the required docs? So it's okay to still ignore them?

[dx100uk]

should have been reading up like threads here

then you would not be asking such questions....

the answer has already been posted here today^^

dx

 

[Mikeindebt]

I did a search, but didn't find anything similar? Maybe I'm just crap at searching the forums, I tend to get lost in there tbh! Sorry!

[dx100uk]

100's of like threads in the barclaycard forum yours is in

use our enhanced google searchbox

barclaycard CCA 

[Mikeindebt]

Okay thanks - I read what you said & realised I wasn't using search 'everywhere' - Changed to that and Boom! Loads of threads. Have just been reading a lot of them.

One last question if that's not too cheeky (came up after reading several other threads). I read that a reconstituted CCA agreement is allowed, can I ask what is needed for the recon CCA to be ENFORCABLE? E.g. does it require a signature? 

HONESTLY I have read on this quite a bit, but am still confused, hope it's okay to ask.

Ask, although I'm in debt, is there a way to donate to CAG? I feel I'm getting a lot of info from here and want to give back at least a little... But don''t have expertise to give. EDIT - Sorry, seen the paypal button at bottom - Will donate in the morning 

[dx100uk]

 the donation.

whats the takeout date for the card?

 

dx