PRA Receivables Management

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I reject the response of PRA, LLC because;Again today someone made an attempt to reposes my vehicle, after our conversation, I was shopping at [redacted] ***I come out of [redacted] and men were attempting to hookup my vehicle to an unmarked tow truckAgain I called the police they refused to show any documentation authorizing themAfter refusing to allow this and the police advising them of the documentation that was needed to continue they eventually removed their equipmentThe original lien holder never filed paperwork with the bankruptcy court advising it of the change,and it's a moot issue whether or not my attorney for whatever reason removed herself from the case, the original lien holder [redacted] was still receiving payments from the bankruptcy trusteeIf the court had been notified of the sale of the loan the trustee would have been making the Chapter payments to the new holders of the note and they would have been notified of all court actions and could then file the appropriate objections prior to the Judge granting my hardship request.I am requesting that they reproduce the court document giving them representation in place of [redacted] If not they have no jurisdiction to arbitrarily over- rule the ruling of the bankruptcy court JudgeThey bought bad paper and need to take that up with [redacted] .I have filed a complaint with the Attorney General concerning the unethical behavior of this firmI am a disabled senior and this is very stressful situation thinking at ant time I could come out of my home or doctors appointment and my car is not we're I parked itThey don't leave any paperwork when they do these things so no way to get car back, when they are being unlawful other than a civil suitIt's too late then Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

I spoke to the customer on 4/10/2015, at approximately
3:PM PST, around hours after this complaint was submittedIt was agreed
that a copy of her contract and a complete payment history in connection with
her account would be sent to her by 4/13/Said documents were mailed to
the
customer as agreed on 4/13/This matter has been resolved through direct contact with
the customer

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have
determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
If they never responded in over a year how can I think they will respond now about my car?
Regards,
*** ***

I would like them to mail me a clear title

In Re: *** *** (“Customer”)
Complaint ID #: ***
*** (“Collateral”)
To Whom It May Concern:
*** *** *** filed a petition for Chapter bankruptcy protection on April 24, in the District of ***, Case ***The original automobile creditor, *** *** *** ***., timely filed a secured proof of claim in connection with the above-named collateral and debtOn January 28, 2013, a joint notice of transfer was filed with the bankruptcy courts, which assigned the rights to the bankruptcy claim to *** *** *** ***On April 25, 2014, a joint notice of transfer was filed with the bankruptcy courts, which assigned the rights to the bankruptcy claim to *** *** *** *** (“PRA, LLC”) pursuant to Federal Rules of Bankruptcy Procedure Rule 3001(c)(2)
The chapter plan, which confirmed March 19, 2013, proposed payment of the entire secured claim in the amount of $13,at an annual percentage rate of 0.00%In the pendency of the case, the trustee disbursed $4,on the claim, resulting in a balance remaining due of $8,as of July 1, 2015.
On January 30, 2015, Customer’s counsel of record, *** *** was suspended from the practice of law for a period of two (2) years. On September 17, 2015, the Customer filed, pro se, a Motion for Hardship Discharge. An Order granting the Hardship Discharge was entered October 14, 2015. It appears the Customer was not represented by competent bankruptcy counsel in filing of the Motion, and therefore lacked information and knowledge sufficient to understand the effect of a Chapter Hardship Discharge relative to secured claims.
PRA, LLC is not attempting to collect the debt; however, PRA, LLC is entitled to exercise its rem rights and repossess the subject Collateral.
Regards,
*** ***

To whom it may concern, PRA Receivables Management, LLC ("PRA RM") will be responding directly to the consumer in writingIn the interim, should the consumer choose to speak with a PRA RM representative, she may call 800-642-6233, ext*** or ***If the consumer would like to make arrangements to retrieve any personal belongings not affixed to the collateral she may call Associates Asset Recovery, LLC at 843-664-*** to make those arrangementsBest Regards, -*** ***

To whom it may concern, please be advised that PRA Receivables Management, LLC will correspond directly with the consumer to resolve the complaint. Best Regards, - [redacted]

PRA Receivables Management, LLC has closed its investigation regarding the customer’s complaint.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I reject the response of PRA, LLC because;Again today someone made an attempt to reposes my vehicle, after our conversation, I was shopping at [redacted]. I come out of [redacted] and 2 men were attempting to hookup my vehicle to an unmarked tow truck. Again I called the police they refused to show any documentation authorizing them. After refusing to allow this and the police advising them of the documentation that was needed to continue they eventually removed their equipment. The original lien holder never filed paperwork with the bankruptcy court advising it of the change,and it's a moot issue whether or not my attorney for whatever reason removed herself from the case,  the original lien holder [redacted] was still receiving payments from the bankruptcy trustee. If the court had been notified of the sale of the loan the trustee would have been making the Chapter 13 payments to the new holders of the note and they would have been notified of all court actions and could then file the appropriate objections prior to the Judge granting my hardship request.I am requesting that they reproduce the court document giving them representation in place of [redacted]. If not they have no jurisdiction to arbitrarily over- rule the ruling of the bankruptcy court Judge. They bought bad paper and need to take that up with [redacted].I have filed a complaint with the Attorney General concerning the unethical behavior of this firm. I am a disabled senior and this is very stressful situation thinking at ant time I could come out of my home or doctors appointment and my car is not we're I parked it. They don't leave any paperwork when they do these things so no way to get car back, when they are being unlawful other than a civil suit. It's too late then.
Regards,
[redacted]

To whom it may concern, please be advised that PRA Receivables Management, LLC will contact the complainant directly to resolve the matter. Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution...

would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

To whom it may concern, PRA Receivables Management, LLC will work directly with the consumer to address the allegation. Best Regards, -Devin

Review: I purchased my vehicle in 2007 (2007 Chevrolet Cobalt). The agreement that I signed was for $16,000 dollars. Majority of the money was paid off before I filed a chapter 13 in 2011 except around $7,000. My vehicle was involved in a car accident and the insurance company is due to pay the remaining balance off (which was a little less than $5,000). Well since the car was the only debt I had in my bankruptcy and it was getting paid, I had my chapter 13 dismissed. Now that my case is dismissed I've been receiving calls and letters from a company called PRA saying my account was transferred to them and I owe them $17,000. There's no way I owe them that because for one the contract that I signed in 2007 was less than that and two the balance owed was definitely less than that. They have been calling me at my place of employment and my cell talking about I owe them $17,000.Desired Settlement: They need to adjust the loan to the correct amount that is owed. They need to stop contacting me at my place of employment and they need to send me a letter apologizing and also a letter with the correct amount on it so that the debt can be paid through my insurance company.

Business

Response:

We are in receipt of your complaint dated 6/17/2014 concerning ID # [redacted]. Please be advised that we are addressing this matter directly with the consumer.

Thank you kindly for your time,

-[redacted]

Review: I filed for Chapter 13 in 4/2012 which included a 2004 [redacted]. The purchase price was not pro-rated so the total amount owed at the time was added to secure debt. On January 14, 2013 [redacted] sold the paper to this person, without notification to the trustee. On October 14, 2015 the Chapter 13 was discharged to include the full value of the car loan. On Sunday, January 17, 2016 at 10:15pm an agent operating for this debt collected attempted withou prevail to repo my 2004 [redacted]. This company purchased debt to open this business with bad paper and without researching its background. If this firm had been allowed by the [redacted] police department to take my car it would have been theft.Desired Settlement: If my car is towed they will owe me $13,874 in restitution.

Consumer

Response:

I would like them to mail me a clear title.

Business

Response:

In Re: [redacted] (“Customer”)

Complaint ID #: [redacted]

2004 [redacted] (“Collateral”)

To Whom It May Concern:

[redacted] filed a petition for Chapter 13 bankruptcy protection on April 24, 2012 in the District of [redacted], Case [redacted]. The original automobile creditor, [redacted]., timely filed a secured proof of claim in connection with the above-named collateral and debt. On January 28, 2013, a joint notice of transfer was filed with the bankruptcy courts, which assigned the rights to the bankruptcy claim to [redacted]. On April 25, 2014, a joint notice of transfer was filed with the bankruptcy courts, which assigned the rights to the bankruptcy claim to [redacted] (“PRA, LLC”) pursuant to Federal Rules of Bankruptcy Procedure Rule 3001(c)(2).

The chapter 13 plan, which confirmed March 19, 2013, proposed payment of the entire secured claim in the amount of $13,682.95 at an annual percentage rate of 0.00%. In the pendency of the case, the trustee disbursed $4,937.00 on the claim, resulting in a balance remaining due of $8,745.95 as of July 1, 2015.

On January 30, 2015, Customer’s counsel of record, [redacted] was suspended from the practice of law for a period of two (2) years. On September 17, 2015, the Customer filed, pro se, a Motion for Hardship Discharge. An Order granting the Hardship Discharge was entered October 14, 2015. It appears the Customer was not represented by competent bankruptcy counsel in filing of the Motion, and therefore lacked information and knowledge sufficient to understand the effect of a Chapter 13 Hardship Discharge relative to secured claims.

PRA, LLC is not attempting to collect the debt; however, PRA, LLC is entitled to exercise its rem rights and repossess the subject Collateral.

Regards,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I reject the response of PRA, LLC because;

Review: I have requested several times after my Bankruptcy was discharged to have an itemized billing statement sent to me to ensure that the balance of my loan was correct. ( while in Bankruptcy they would not communicate with me at all regarding my payments or any details of my loan ) I have been told numerous times they do not send out this type of information. The customer is supposed to keep track of all payments, late payment or charges on their own. This company's website offers account information for you to pull up but will not accept my account number. I have not received anything from them except a payment booklet that only states my account number, the monthly payment amount due and the month and year the payments should be sent in. No, balance information at all. Denise only offered me a payoff amount so I could just pay off my loan in full and be done with it.Desired Settlement: I want a full and complete breakdown of my loan payments with the remaining balance owed on the completion of the loan. From start to finish. NOT A PAYOFF AMOUNT.

Business

Response:

I spoke to the customer on 4/10/2015, at approximately

3:20 PM PST, around 2 hours after this complaint was submitted. It was agreed

that a copy of her contract and a complete payment history in connection with

her account would be sent to her by 4/13/2015. Said documents were mailed to

the customer as agreed on 4/13/2015. This matter has been resolved through direct contact with

the customer.