Yesterday I received a court claim form from the company in the title.

I have never heard of them before

they are claiming I owe £1110.41 with court fees of £70 & legal costs of £80 on top,

so are taking me to court claiming I owe them the total of £1260.41

I've spoken to debt helpline who told me to accept I owe the debt from 2012 which is less

& offer payment plan within the 14 days of the letter.

Then she gave me links to find a legal aid solicitor or I'll get it ruled against me & get a ccj.

Do I just have to accept this & pay the extra?

Can anyone advise?

please fill this in

and we'll get you moving:

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

Name of the Claimant ? PRA GROUP (UK) LIMITED

Date of issue – . 19 SEP 2016

Date to submit defence - 21 OCT 2016

What is the claim for –

1.The Claimant claims the sum of 1110.41 for debt and interest.

2.On 20/7/12 the defendant entered into an agreement with Provident Personal Credit Limited for a Loan under reference *******

3.On10/2/14 the defendant defaulted on the agreement with an outstanding balance of 953.40.

4.On 26/8/14 the debt of 953.40 assigned to Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA Group (UK) Ltd on 31/12/14 Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925

AND THE CLAIMANT CLAIMS

1. The sum of 953.40

2.Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from 26/8/14 to 16/9/16 157.01 and thereafter at a daily rate of 0.21 until judgement or sooner payment.

What is the value of the claim? £1260

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan

When did you enter into the original agreement before or after 2007? 2012

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim .PRA group

Were you aware the account had been assigned – did you receive a Notice of Assignment? Cant remember

Did you receive a Default Notice from the original creditor? Yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure

Why did you cease payments? Financial problems, lost job, ill from mental health

What was the date of your last payment? 2014 to original lender

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan?

yes, used debt company & they didn't pay who was owed, then informed of situation by letter & paid by myself monthly

ok thank you

can you go up on the MCOL website and ACK [AOS BOX]

the Claim.

defend all

leave jurisdiction unticked

get a CCA request running tot he Claimant

and

a CPR 31:14 running to their sols [PRA use in house so can be included with the CCA request ]

next

tell us about and name this DMC and what happened to your payments to them and when you latterly took over yourself.

http://www.consumeractiongroup.co.uk/forum/showthread.php?404049-Problems-with-DEBT-CORRECT-LTD-took-me-money-didnt-pay-debts

found it

i'll poss something there.

I don't know what that is, sorry

look on the claimform...

theres a password at the end of the information box on the right

is that all that is in the Particulars of Claim box?

who was the original creditor please

Wasn't sure how much info to put on this post,

it says don't give any identifiable info.

Is this a closed & safe forum or can any company also read it?

What happens if the creditors we are disputing against recognise our situation?

Does it matter?

Found the password,

Is it Moneyclaim?

Still don't know what ACK [AOS BOX] is though sorry

you mean pra group

I wouldn't worry

we've never seen a claim 'lost' because an anon thread by anon member was found.

you simply just don't post your name address or any account numbers etc

the rest we need to see

esp the full POC

as that's what we need to base your defence on

the EXACT wording is very important.

as for mcol

https://www.moneyclaim.gov.uk/web/mcol/welcome

middle box register

then log in

and respond to a claim

follow that

ACK [acknowledge the claim] that will be the AOS box

defend all

leave jurisdiction untick

the just claim through a few pages and confirm

then exit MCOL.

Ok, I'll go through the claim on moneyclaim now.

POC - exact wording:

The Claimant claims the sum of 1110.41 for debt and interest.

On 20/7/12 the defendant entered into an agreement with Provident Personal Credit Limited for a Loan under reference *******

On10/2/14 the defendant defaulted on the agreement with an outstanding balance of 953.40.

On 26/8/14 the debt of 953.40 assigned to Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA Group (UK) Ltd on 31/12/14

Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925

AND THE CLAIMANT CLAIMS

1. The sum of 953.40

2.Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from 26/8/14 to 16/9/16 157.01 and thereafter at a daily rate of 0.21 until judgement or sooner payment.

Can they do that?

Can they claim money for the time the 1st company had it before being given to them when the 1st company didn't add anything on,

simply sold it on as they had received it?

that's better

std PRA POC lots of defences here already for it

but that's weeks away yet.

get post 4 done please

as for the bottom bit

they cant charge int from the day they got it as such

but that's for later

as for the names, they are the same lot not an issue

Done letters ready for posting tomorrow & claim form done online

and relax.

just for ref

so was this a doorstep loan that went south?

dx

Yes

only one with them?

or was this loan upon loan upon loan?

each extending or paying off the previous?

dx

Yeah dx that's their usual method so you're always in debt to them and never pay if off.

The interest rate will no doubt be something astronomical knowing that would be useful.

yes but

they had a nasty habit of taking money from whatever they gave you when you refinanced as the first payment...

that's a no-no as they cant do that until the 14 day cooling off period had expired.

lots of threads here on that...

the agreement and the agents payment book will be interesting to request too..

dx

I had one loan then needed another for £200 a few months later,

I don't understand how it works,

he never explained any of it to me, just assumed I knew.

He took out a £700 loan that paid off what I owed on the original amount,

I had £400 cash but it was written that I'd had the £700 loan

sounds like the usual game

if when refinancing and paying off an old loan

he took the 1st payment for the new loan thee and then

that invalidates the agreement as you had a 14days cooling period

but await the CCA return

then we'll deal with it.

there are several past threads here to read .

Not heard anything yet?

What is the next step?

How do I put together the defence?

Thanks

Searching for the threads to read but got confused,

tried reading the provident threads,

then also the PRA group threads.

I'm worried about how long I've got to prepare this defence.

All help is very much appreciated.

Thank you

defence is not due till 4pm 21st next Friday.

use the top red tool search cag box

pra claimform loan

Reveived a letter this morning returning to me my £1 postal order & the letter sent to them.

It's dated 11/10/2016 & says:

'I write with regards to your recent correspondence regarding the above account. Unfortunately we are unable to fufil your request as we have not yet completed the required security checks in order to verify your identity. The information we require is as follows -

Full name

Date of birth

Previous address and postcode

You can contact us via letter or telephone our office on 0800 877 8772 to complete the checks we are required to make, in line with the Data Protection Act 1998.

Upon confirmation of the above details, we will endeavour to respond to your request as soon as possible.

Yours sincerely

How are they supposing to do the checks when they have returned to me my letter & the postal order?

They are stapled together & my letter has a sticker on it with the signed for bar code, my letter has 2 different date stamps on it, one is 10 OCT 2016 & the other has been stamped over my address & that one is BROMLEY 07 OCT 2016

strange for pra that's the usual hoist trick..

nothing to worry about

their problem not yours

just to check:

you've sent this from the same address as on the claimform? [your address]

and you've used the provident account number they quoted in the claimform poc?

dx

Yes used the address they put on the form & the reference they used

I think its because my name has changed back to my maiden name, but the address is the same & so is reference number

The reference code they have put on this letter received today is different to the codes on the claim form from the County Court Business Centre. It's a new reference all together

No scrap that post, I've just found it. Its in small print underneath their phone number, its the PRA reference by the looks of it

Do I write to them giving them this information they require & put the letter & postal order they sent me back in with it?

ok lets make it simpler

you must send the CCA from YOUR ADDRESS that is listed on the CLAIM FORM

and using the NAME [your name] listed on the claimform.

quoting you want the CCA for the Provident Account listed in the particulars of claim [there will be an account number there that you had with provident]

is that what you did>

My name has been changed on the claim form online to what my name is now.

They had the wrong name for me as the agent never even asked me to confirm it when registering me in the 1st place. A lot of personal circumstances have happened since 2011 & legally my name has changed.

I'll send it all again registered post & see what reply they give this time