Hi All, I have a debt that PRA Group allegedly purchased from Halifax, now I have set up a payment plan with them, as I only want to deal with one of these parasites at a time, currently waiting for a court date with Link Financial, I fell behind with the payments to PRA, only 1 month as far as I remember. I received a letter the other day which I only just read this morning, they said "They have given me many opportunities to engage with the on the matter of my outstanding account, but my balance remains unpaid, as a result of this on 13/01/2026 my account will be transferred to Resolvecall Now nowhere on the letter or the online portal I pay through shows any arrears amount, they do no mention an amount, just say outstanding account This has now pissed me off, I certainly don't want to deal with Resolvecall. and I will now look to send PRA the first SAR, I was going to wait, but now they can do one, I have made the payment that I belive I was behind with and I was going to contact them to stop them passing my account to Resolvecall as I just don't want to deal with them, any advice on my best course of action, I did think I could tell PRA they do not have my consent to pass my personal data to Resolvecall, but according to ChatGPT they can do this

Equita want driving license, passport or birth certificate to verify who i am, and proof of residency as I've asked for the response by post. My question is, do I/ can I redact any information on my copy of my driving licence/proof of residency I simply don't trust these companies with my information Thankyou

I have a question about my current position with PRA, which is in another post. Why do companies like PRA, who are a DCA, then pass the debt to firms such as Resolvecall to collect? It makes me feel like there’s some kind of scam going on. The same thing happened with Link Financial, who also passed the account to Resolvecall, but that case is now waiting for a court date and nothing has come of their involvement so far. On a related point, I know we’re looking at using GDPR to challenge the involvement of DCAs, but my concern is more basic. They claim to have bought a debt – say a £10,000 balance – yet we all know they haven’t paid £10,000 for it. I know this from experience: Lowell offered me a 70% discount if I paid within three months. That makes it obvious they bought the account for a fraction of the face value. So how can it be legal that a DCA might buy a £10,000 debt for, say, £300 and then pursue you for the full £10,000, claiming that’s what you now owe them? In a fair justice system this just doesn’t feel right, and I’m struggling to understand how it is allowed.

Hallelujah, I do not know how i did this, it has taken 3 months of my life, 380 hours and a right old slog, however i was sure correct that the NHS took my CSF without consent OR NEED, just GREED. I am a great findoutologist, however i am unsure of the process i should take with this case. I have done my research, and it is pretty epic. Does anyone know about the route i should proceed with this case. This is where i get confused... THANK YOU TO THIS GROUP, for all the support to make this possible especially Pete. I do not know how you do it. Replying to all of us, keeping us up-to-+date, videos every week, public meetings, Free documents Free advice wow........ I did one case and i am shattered. You really are a true inspiration Pete, and all in here. Here is the case..... Summary of Case Ref: HOF-666-235 Unlawful Collection, Custody, and Disclosure of Clinical (CSF) Material Prepared by: Clare (Self-represented) Date: 23 January 2026 Core Allegation The case concerns the unlawful collection, handling, and possible disclosure of cerebrospinal fluid (CSF) by University Hospitals Birmingham NHS Foundation Trust, without: - valid consent, - documented legal authority, - or a lawful chain of custody. Material Involved - Biological specimen: CSF, obtained via lumbar puncture - Special category data: Clinical and forensic records attached to specimen - This is not a simple data breach — it involves handling of human tissue without consent. Legal Breaches Identified Based on the disclosed documents in the Chain of Evidence bundle: 1. No Signed Consent 2. No Chain of Custody 3. Governance Not Executed 4. No Safeguard Actions Taken 5. Systemic Failure Findings and Evidentiary Status - Findings rely on disclosed documents alone (SAR05932 bundle) - Annex G and H demonstrate that governance documents were provided in place of execution records - Evidence is fully itemised, paginated, and source-linked - No reliance on opinion — absence is recorded as absence

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