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Getting Back On Track........................Saint X

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  • #61
    Originally posted by Diana Mayhew View Post

    When (what year) was this debt assigned to PRA and might it have been assigned to any other debt purchaser before then (i.e. two assignments in the chain)?

    Di
    HiI Di,

    I hope you are well.

    I have today received a letter from PRA regarding this Halifax card, along with a bundle of payments details dating back to 18/06/2005

    The letter asks me to contact them within ten days in order to come to a mutually acceptable agreement to settle/

    Niddy has said this debt is UE

    I would appreciate any help please

    Kind regards

    Saint X

    Comment


    • #62
      Hi all,

      I have decided to take the plunge, and cease payments on my DMP

      I have three currently UE and the other two enforceable.

      I would appreciate some professional advice, as I do believe there are flaws in the documents, including no signatures!!

      I am excited, but also a little stressed.

      I am really not sure if I have listed things properly on here, but feel confident all will be fine, with all the help and advice from you good people

      Please bear with me. I will get there in the end

      Kind regards

      Saint X

      Last edited by Saint X; 10th October 2017, 19:46.

      Comment


      • #63
        Hi all

        I have this week received three letters from PRA regarding my debts with them

        DEBT 1 HALIFAX CREDIT CARD. Letter received dated 09/10/2017
        Contains a catalogue of copy statements dated 16/06/2005 until 16/07/2011


        DEBT 2 Lloyds Bank Loan. Letter received dated 06/10/2017

        Contains an offer of full and final settlement for 50% of the debt.

        This has come down dramatically from what they quoted me in July, with hardly any discount offered.


        DEBT 3 LLoyds Bank Loan. Letter received dated 06/10/2017

        Contains an offer of full and final settlement for 50% of the debt

        Again dramatically down from the offer they made in July.

        I am not going to proceed with these offers, and will not be paying into the DMP

        Lets see what happens next

        Kind Regards

        Saint X

        Comment


        • #64
          Hi everyone,

          Can someone please tell me if it is a good idea to send a SARS request?

          This keeps coming up in other peoples diaries

          I am wondering as to my next steps

          Kind rergards

          Saint X

          Comment


          • #65
            SAR can give you good information you may not know it is a info from dealings and events, could be useful on many occasions BUT they have 40 days to respond within
            Last edited by The Tech Clerk; 13th October 2017, 21:23. Reason: Addendum
            I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • #66
              Thanks for the reply Tech Clerk

              I was just thinking of sending off to Lloyds, as they are my two enforceable debts as things stand, and they are the majority of my debts.

              I will go on the advice from this site.

              Are there template letters for SAR, and where do you find information to send them etc

              Saint X

              Comment


              • #67
                top of thread look into templates and under unenforceable look there, also browse threads and info sheets gives you a lot of information!
                I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment


                • #68
                  you send the SAR to originator i.e. if lloyds then to them
                  I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • #69
                    If you do send for the SAR's - Remember that if you have 2 accounts with LLoyds - You only need to send one request to Lloyds with one fee. Just put both account numbers at the top etc

                    Those settlement figures are a good sign but with any luck you will be paying 0% or along the line if you find you do have to settle it will be lower than that.

                    I cannot tell you what to do but if it were me I would be stopping payments and see what comes next etc

                    It seems that everything is falling into place slowly and things are turning in your favour for a change
                    I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment


                    • #70
                      Thanks Tech Clerk and Spud. much appreciated.

                      I am definitely stopping payments and will see what happens

                      Lloyds hold my debts that I have a concern over, hence why I thought of SAR

                      I like your optimism Spud, and will sit back and enjoy the ride

                      Saint X

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