Template reply from PRA

by wakey wakey Mon Dec 23, 2019 5:10 pm

Hi
Just received this reply from PRA

And I still have to send the 3rd letter. Very Happy

I have noticed in the fact sheet (which I have searched for and cannot find).
PRA can contact me by phone. Surely an untruth as I requested contact by post
in the 1st letter? Another porkie pie spotted? (see underlined red in fact sheet)
Surely no signature and no date and reconstituted = a piece of paper?

Would a S.A.R. to OC help and one to PRA?

Festive Greetings rendeer

by **Mrblue2015** Mon Dec 23, 2019 5:53 pm

Ah, ‘Carissa’! DaveIron is fond of ‘her’ letters Wink

Make sure you send letter 3 Smile

You would send a SAR to the OC, not PRA. Good luck and festive greetings back to you!

by **daveiron** Mon Dec 23, 2019 6:40 pm

Well that makes me feel special, for the past 3 years the lovely Carissa has been offering to help me.
If I do not receive her monthly letter by tomorrow I shall be thinking she no longer cares,& it will
ruin my xmas.

by **LionsShare** Mon Dec 23, 2019 6:52 pm

DI I weep in sorrow

by mongoose Mon Dec 23, 2019 8:12 pm

Daveiron. They are trying to con you. Without providing you with the appropriate paperwork they are unable to pursue the debt or put anything ON YOUR CREDIT FILE.

They say in their letter they can "continue reporting this account on your credit file".

grace v blackhorse
https://www.telegraph.co.uk/finance/personalfinance/borrowing/loans/11386282/Lloyds-wrecked-my-credit-history-over-928-debt-I-didnt-owe.html

Let them carry on and watch your damages mount up.

by **daveiron** Mon Dec 23, 2019 8:55 pm

The only thing they are doing for me ,is providing me with a great amount of pleasure.
https://goodf.forumotion.com/t3813-i-dont-think-pra-like-me-anymore

by wakey wakey Sun Dec 29, 2019 11:43 am

Hope every one had a nice Christmas.
I am just going to amend the 3rd letter to PRA, ready to send in the next couple of days.
I hope their office do was none exsistant , as none of the alleged debts were collected. cheers

Happy New Year to one and all Very Happy

by **Mrblue2015** Sun Dec 29, 2019 12:56 pm

Haha happy new year Smile

by **assassin** Mon Dec 30, 2019 2:26 am

Dave, why not ask her to come and cook your dinner and wash up afterwards if she wants to help you, then tell her the garden needs tidying which would also be helpful.

by **Mrblue2015** Mon Dec 30, 2019 9:54 am

assassin wrote:Dave, why not ask her to come and cook your dinner and wash up afterwards if she wants to help you, then tell her the garden needs tidying which would also be helpful.

by wakey wakey Tue Dec 31, 2019 2:48 pm

Just off to post 3rd letter Smile

by wakey wakey Wed Jan 22, 2020 5:00 pm

Reply from 3rd letter to PRA

Then 1 day later receive discount for alleged debt

I am now in the process of replying to both letters. Is it still advisable to request a SAR from OC?

by **LionsShare** Wed Jan 22, 2020 5:14 pm

back end of last year successfully defended a parking ticket after the usual "discount" was offered. This is what I did & MAY NOT apply here.

Sent a very polite communique, to the effect: thanks for your offer to do business but here is the proof the ticket was paid in the 1st place so will not be taking up your offer.

By return of post "we will be not pursuing any further." Victory cheers

Victory

by **Mrblue2015** Wed Jan 22, 2020 5:22 pm

Scroll down and send the estoppel now:

https://goodf.forumotion.com/t41-the-3-letters-process

by **Mrblue2015** Wed Jan 22, 2020 5:22 pm

And yes you MUST send of for a SAR ASAP to the original creditor.

by **Mrblue2015** Wed Jan 22, 2020 5:24 pm

Sorry just realised - they’ve said the debt is legally unenforceable? I would ignore them for now and see if they write to you again.

(Same thing happened for me and I’ve not heard from them for two years)

by **daveiron** Wed Jan 22, 2020 7:04 pm

Definatly send the sar to the OC. You should then know the reason why
PRA believes its unenforcable. If its anything like mine you could have some
fun if you want.

by **Mrblue2015** Wed Jan 22, 2020 7:12 pm

In my case (purely FYI wakey wakey) it was because even though PRA were able to send me a copy of the CCA, they didn’t have a copy of the default notice (which is what commonly happens).

What docs have they supplied you, if any?

by **assassin** Thu Jan 23, 2020 1:32 am

Offering a discount is proof in itself that they have bought the alleged debt as a job lot and the OC (as in so many cases) cannot or do not have the paperwork and a huge discount still means they still make a profit.

by **Mrblue2015** Thu Jan 23, 2020 5:23 am

assassin wrote:Offering a discount is proof in itself that they have bought the alleged debt as a job lot and the OC (as in so many cases) cannot or do not have the paperwork and a huge discount still means they still make a profit.

Agreed with assassin too. Offering a discount tells you all you need to know... Wink

by mongoose Thu Jan 23, 2020 6:38 am

Be careful. Offering a discount is a trick. The trick is to get you to "acknowledge" the debt and take up the offer. as soon as you have done so that offer is not available. Read the wording of the offer very carefully. Usually it says "May" be able to settle at a discount. Once you have "acknowledged" the debt you reset the limitation period to another 6 years.

If you want to "experience" what happens next, reply to such offers like "I don't recognise the debt, but need to clear paperwork and my time is valuable so I would like to take up your offer "WITHOUT PREJUDICE". It will not go through as there will be further correspondence getting you to further acknowledge the debt.

The other "trick" with unenforceables they use is time.They play on people "losing" and "forgetting" paperwork, and try it on years later, They do this even after they have failed in the county court. The debt never "dies". There is a letter you can send after the limitation period to say stop sending and you will never make any payments, but they still say the debt is still owed, maybe hoping one day for a change in the law in their favour. Again even after this letter they play on you forgetting in the future.

Incidentally if they have claimed a debt is unenforceable they are not allowed to put anything on your credit file (SOME INTERPRET THAT TO MEAN "WITHOUT THE WORDS UNENFORCEABLE".....i need to check that). If they do you can get damages to your credit rating. The Blackhorse case is relevent here.
The decision stems from an earlier case when District Judge Newman (Grace & Anor v Blackhorse: Chester County Court) ruled a credit agreement 'irredeemably unenforceable' and therefore William Grace did not have to pay.

by **Mrblue2015** Thu Jan 23, 2020 7:43 am

Mongoose: that’s what we’re (assassin and I) are saying ie it’s a trick as for them, it’s better to get something rather than nothing esp when they can’t evidence a debt with the appropriate documents.

by mongoose Thu Jan 23, 2020 9:34 am

Mr Blue, I cannot see anywhere in your posts where it alleges a trick to do with extending the limitation period by acknowledgement. Your posts address the unenforceable nature.

by **Mrblue2015** Thu Jan 23, 2020 10:30 am

1) They offer you a discount as they know they don't have the paperwork to prove it - so getting something from you (a discounted amount) is better than nothing in their eyes (makes sense if you're them)

2) If you fall for this 'trick' i.e. start paying the discounted amount, you have acknowledged the debt so it's 'game over' for you i.e. you can no long rebut the claim etc.

by wakey wakey Thu Jan 23, 2020 4:40 pm

Thanks for all the info.
Apply for SAR via OC website on their form or write a letter myself or both?

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