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Moon phases


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Post by waylander62 Mon Feb 03, 2020 9:15 am

i dont think you need any legal advice or a solicitor at the moment

it is always best to send a SAR with a specific account number on it so what comes back is the information for that 1 account

sounds like you have a lot of paperwork all mixed in for different accounts. I think a good starting point would be to find the notice of assignment from PRA/OC telling you that the 'debt'/'account' has been sold and that PRA are the owners of the 'debt' this should give you the official account number and the date of assignment of the loan account.

do you have ANY information of your own in relation to this loan ?

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Post by wakey wakey Mon Feb 03, 2020 9:39 am

Thanks waylander62
I will find the said notice of assignment. I think I have same for another DA maybe 2 wont mention their names yet.
Have a birthday lunch to go to, so may be couple of days before i reply, depends how many shandys I have drunken

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Post by waylander62 Mon Feb 03, 2020 10:00 am

there doesn't seem to be any rush

do you mean you have more notices from other agencies ? for the same debt ?

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Post by wakey wakey Mon Feb 03, 2020 10:03 am

Yes when i name them you will see the usual suspects

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Post by wakey wakey Mon Feb 03, 2020 10:09 am

Regarding estopple to PRA should the fee schedule match the fee's in the letters already sent and not the one in the template estopple?

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Post by waylander62 Mon Feb 03, 2020 10:22 am

i will let others reply to this as its not something i use

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Post by waylander62 Mon Feb 03, 2020 10:23 am

wakey wakey wrote:Yes when i name them you will see the usual suspects

are you sure it was assigned to these agencies ? or were they just acting 'on behalf' of the OC , there is a big difference.

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Post by wakey wakey Mon Feb 03, 2020 5:41 pm

Yes the DA's were acting for OC.
Are these the notice of assignment
Template reply from PRA - Page 3 Barcso10

Template reply from PRA - Page 3 Praloa10

The client ref on PRA is the same as account and sort code on OC's letter. But this not my account or sort code were direct debit was set up.

Found this letter setting up direct debit for OC.
Template reply from PRA - Page 3 Barcdd10

See the underlined sentence does this mean I have set up another account for loan. Account ref same as on notice of assignment,
DD set up account and sort code are from my account.

Hope this is not to much info all at once.

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Post by Mrblue2015 Mon Feb 03, 2020 6:59 pm

wakey wakey wrote:Regarding estopple to PRA should the fee schedule match the fee's in the letters already sent and not the one in the template estopple?  

Yes it would be a good idea to simply update your existing figures Smile
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Post by Mrblue2015 Mon Feb 03, 2020 7:01 pm

From your latest PRA letter upload it’s clear PRA own the debt - they are a ‘debt purchaser’ not simply a ‘debt collection agency’.
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Post by waylander62 Mon Feb 03, 2020 10:39 pm

in respect of the letter i would guess that:

the account reference is your loan agreement number

below that is a direct debit set up instruction with your bank account and sort code which would be your bank account

correct me if i am wrong on this

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Post by flyingfish Tue Feb 04, 2020 8:15 am

The assignment letter refers to payments "Your agreed payments will stay the same ..".  Not sure if that's template content, or were you actually making payments up to the time the account was sold? I'm trying to make sense of the refund offer from the bank, did that relate to payments you were making towards the loan which they continued to collect after the loan was sold?

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Post by wakey wakey Tue Feb 04, 2020 2:05 pm

waylander62
My loan agreement number is not the same as ref on assignment letter.
I googled loan ref which can back as an account and sort code for the collection department of OC.
I have letters from different departments about missing payments of loan.
Dated within a couple of days of each letter. Letter 1 from OC has my account and sort code. Letter2 from Collections has a different account and sort code.
Do you need me to upload letters?

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Post by wakey wakey Tue Feb 04, 2020 2:24 pm

flyingfish
"Your agreed payments will stay the same ..". is just template content has I have not made a payment after defaulting and started the 3 letter process to OC.
The refund as I can see is for not canceling my dd as instructed and they charged me a dd not able to collect fee.

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Post by flyingfish Tue Feb 04, 2020 4:25 pm

wakey wakey wrote:The refund as I can see is for not canceling my dd as instructed and they charged me a dd not able to collect fee.
In that case I can't see how accepting that refund could be taken as acknowledging the debt. I guess whether you want to take that risk will depend on what the refund is worth.

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Post by waylander62 Tue Feb 04, 2020 4:28 pm

i agree taking the refund should make no difference to the loan/debt

if PRA try and use this then it is clear that the bank have informed them, which is a breach of DPA as it is for your current account which PRA have no right to any information to.

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Post by waylander62 Tue Feb 04, 2020 11:54 pm

account numbers and sort codes mixed up with references is very confusing, and the lack of information on the assignment letters makes it almost impossible to tell what has actually been sold to PRA.

if this is for a loan then it should be simply a loan account number, sort codes are used, as far as i am aware for bank accounts only, are you sure they haven't sold your bank account ? did you have an outstanding overdraft with the bank ?

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Post by flyingfish Wed Feb 05, 2020 8:41 am

When does this become statute barred? Did you actually get a proper default notice either at the time or as a result of further investigation?

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Post by wakey wakey Wed Feb 05, 2020 5:20 pm

Here is a copy of notice of default.
The account number and sort code on it is not mine. It is account and sort code from Collections dept.Also no signature HOW did i miss
Template reply from PRA - Page 3 Defaul10

Template reply from PRA - Page 3 Defaul11



this Embarassed

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Post by wakey wakey Wed Feb 05, 2020 5:24 pm

About 2 years 6 months before becoming statute barred.

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Post by wakey wakey Wed Feb 05, 2020 5:51 pm

I had an overdraft but paid it off.
I did not know banks could sell accounts.
No loan agreement number on any letters from PRA or the 2 debt collection agency's.Just client ref which is the account number and sort code for collections dept.

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Post by waylander62 Wed Feb 05, 2020 5:52 pm

this seems to be a very large debt ?

account number and sort code are not yours ? i dont see how this default notice can be compliant ?

still not quite sure what is going on it really depends on what the original agreement was

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Post by mongoose Wed Feb 05, 2020 9:50 pm

cant see if default is ok without date of service and date to comply. the dates are needed, and will not identify anyone. can u re-upload?

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Post by waylander62 Wed Feb 05, 2020 11:24 pm

i have sent you a private message wakey wakey

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Post by wakey wakey Thu Feb 06, 2020 4:28 pm

I have replied to your pm waylander62

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