PRA Group (UK) Limited

Financial Ombudsman decision DRN-5422466 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Sep 04deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Complaint handling

In the Ombudsman’s words

Mr P raised a complaint with PRA, the substance of the complaint was that as PRA hadn’t provided him with an original signed copy of the credit agreement they hadn’t proved he was liable for the debt and as such it wasn’t enforceable. He also complained that any further pursuit of the debt amounted to harassment.Complaint handling

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5422466.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.