• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

*** CLAIM DISMISSED *** Pra Group Letter Before Claim Received

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #31
    Re: Pra Group Letter Before Claim Received

    Originally posted by charitynjw View Post
    So I checked!

    http://motherboard.vice.com/read/how...-to-skin-a-cat

    Shannan Muskopf breaks it down further for us. She's the author ofAnatomyCorner.com and a biology teacher at Granite City High School outside of St. Louis.
    “I would have to stick with the two main ways,” she wrote in an email. “Either from the ventral (belly) side of the cat, which is my preferred method, or going from the dorsal or the back side. The skin is looser at the abdomen which makes it easier to lift from the underlying muscle. I've attached a rudimentary drawing of how I would approach the skinning of the cat.”
    Nice detail [MENTION=5553]charitynjw[/MENTION] :tinysmile_grin_t:

    So if I send this, headed Second Request for CCA:

    Please treat this letter as a formal request for you to supply a copy of my Consumer Credit Agreement as is my entitlement under sections 77-79 of the Consumer Credit Act 1974.

    I require you to provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit.

    Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.

    If this fee is not required for the request it must be returned to me forthwith, it must not be allocated to the alleged debt as a payment.

    If it is your view that you are not the creditor, s.175 of the CCA1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189.

    I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.


    Yours faithfully...

    I really do appreciate all of your help!

    Comment


    • #32
      Re: Pra Group Letter Before Claim Received

      Looks good to me, Minnie1516.

      Send to PRA, £1 fee enclosed & proof of postage.

      & keep file copies for reference/evidence.
      CAVEAT LECTOR

      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

      You and I do not see things as they are. We see things as we are.
      Cohen, Herb


      There is danger when a man throws his tongue into high gear before he
      gets his brain a-going.
      Phelps, C. C.


      "They couldn't hit an elephant at this distance!"
      The last words of John Sedgwick

      Comment


      • #33
        Re: Pra Group Letter Before Claim Received

        That's fantastic, I'll get that sorted and sent off.

        I just want to say thank you to everyone that has taken to time to give support and advice to me. I've been so worried about this situation and it's been very reassuring to receive such wonderful help. Thank you 😊

        Comment


        • #34
          Re: Pra Group Letter Before Claim Received

          Hi again.

          I have received a reply today from PRA:

          Request for copy of agreement

          I am in receipt of your second letter in relation to the above and have requested the required information.

          I have also enclosed your payment of £1.00 as this was not required to carry out the request.

          We will contact you to provide an update as soon as possible but if you have any further questions please telephone us on...

          Any advice on what I should do now?

          Thanks.

          Comment


          • #35
            Re: Pra Group Letter Before Claim Received

            I have received a letter today from PRA:

            INFORMATION AS REQUESTED

            I refer to your request for copy documentation regarding the above account. We enclose documentation received to date and are awaiting further documentation to complete your request.

            If you have any questions regarding the enclosed information in the meantime, please contact...

            Enclosed was what I think is a computer print out of a list of entries (name, address, residential status, employment status, bank account etc), a bit like an application form. It says 'Internet' at the top of the list. It's just one page.

            I'm really not sure what to do now. Please help!

            Comment


            • #36
              Re: Pra Group Letter Before Claim Received

              Hi again everyone,

              I have today received a further letter from PRA Group:

              I have enclosed copy documents as requested.

              Please contact our office within 10 days of receipt of this letter on .... where an agent will be able to assist you.

              Our fully trained agents will discuss your account further with you and help you come to a mutually acceptable agreement in order to settle your outstanding balance.

              Yours sincerely...

              Enclosed are monthly statements from October 2011 to August 2012. The last payment I made was April 2012 which was £10 which was all I could afford.

              Please help! What do I do now?

              Comment


              • #37
                Re: Pra Group Letter Before Claim Received

                Hi Minnie1516

                This is the 2nd time you've tried a CCA request for documents, isn't it?
                & they returned the £1 fee again?

                That document sent out on the 8th Aug, the 'application form'.......could you post it on this thread? (temporarily obscure any personal data).
                CAVEAT LECTOR

                This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                You and I do not see things as they are. We see things as we are.
                Cohen, Herb


                There is danger when a man throws his tongue into high gear before he
                gets his brain a-going.
                Phelps, C. C.


                "They couldn't hit an elephant at this distance!"
                The last words of John Sedgwick

                Comment


                • #38
                  Re: Pra Group Letter Before Claim Received

                  Yes, this is the 2nd CCA request and they did return the £1 postal order.

                  Would you be able to advise how to post the document on here please? Sorry, not done it before!

                  Comment


                  • #39
                    Re: Pra Group Letter Before Claim Received

                    [MENTION=49370]Kati[/MENTION] will help, I'm sure.

                    I can be emailed if you need my help loading pictures/documents to your thread. My email address is
                    kati@legalbeagles.info
                    But please include a link to your thread so I know who you are.
                    CAVEAT LECTOR

                    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                    You and I do not see things as they are. We see things as we are.
                    Cohen, Herb


                    There is danger when a man throws his tongue into high gear before he
                    gets his brain a-going.
                    Phelps, C. C.


                    "They couldn't hit an elephant at this distance!"
                    The last words of John Sedgwick

                    Comment


                    • #40
                      Re: Pra Group Letter Before Claim Received

                      Ive emailed [MENTION=49370]Kati[/MENTION] for some help!

                      Comment


                      • #41
                        Re: Pra Group Letter Before Claim Received

                        ....
                        Attached Files
                        Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                        It doesn't matter where your journey begins, so long as you begin it...

                        recte agens confido

                        ~~~~~

                        Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                        I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                        But please include a link to your thread so I know who you are.

                        Specialist advice can be sought via our sister site JustBeagle

                        Comment


                        • #42
                          Re: Pra Group Letter Before Claim Received

                          Originally posted by Kati View Post
                          ....
                          Thanks [MENTION=49370]Kati[/MENTION]!

                          Does anyone have any advice?

                          Comment


                          • #43
                            Re: Pra Group Letter Before Claim Received

                            Can anyone help me on what to do next? Really would appreciate any advice!

                            Comment


                            • #44
                              Re: Pra Group Letter Before Claim Received

                              Originally posted by Minnie1516 View Post
                              Can anyone help me on what to do next? Really would appreciate any advice!
                              Hi Minnie

                              That letter recently sent to you, & the enclosed 'stuff', does not even remotely come anywhere near to being a compliant response to a CCA request..........& you have now made 2 of them, plus Amethyst's CPR request (posted previously on this thread).
                              They cannot enforce this alleged debt until they do comply........if it were me I'd now do nothing, sit tight & await their next move (if any!)
                              CAVEAT LECTOR

                              This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                              You and I do not see things as they are. We see things as we are.
                              Cohen, Herb


                              There is danger when a man throws his tongue into high gear before he
                              gets his brain a-going.
                              Phelps, C. C.


                              "They couldn't hit an elephant at this distance!"
                              The last words of John Sedgwick

                              Comment


                              • #45
                                Re: Pra Group Letter Before Claim Received

                                Good morning,

                                What is the document described as in the covering letter?

                                nem

                                Comment

                                View our Terms and Conditions

                                LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

                                If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


                                If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

                                Announcement

                                Collapse

                                Support LegalBeagles


                                Donate with PayPal button

                                LegalBeagles is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

                                See more
                                See less

                                Court Claim ?

                                Guides and Letters
                                Loading...



                                Search and Compare fixed fee legal services and find a solicitor near you.

                                Find a Law Firm


                                Working...
                                X