Name of the Claimant ? PRA Group
Date of issue – 19/8/21
Particulars of Claim
What is the claim for – the reason they have issued the claim?
1.The claimant claims the sum of £2940 for an outstanding debt owed.
2.On xx/xx/2009 the defendant entered into an agreement with Lloyds Bank PLC for an overdraft account with reference xxxxxxxxxxxxx.
3.On xx/xx/2017 the defendant defaulted on the agreement with an outstanding balance of £3,590.
4.On xx/xx/2020 the debt of £2940 was assigned to PRA group (UK) Ltd. 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 £2940.00
What is the total value of the claim? £3135
Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I don't know
Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes
Did you inform the claimant of your change of address? I still have a bank account with the same bank, and I changed my address for that
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft
When did you enter into the original agreement before or after April 2007 ? after
Do you recall how you entered into the agreement...On line /In branch/By post ? online
Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't know
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. Assigned to PRA group, claim issued by them
Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes
Did you receive a Default Notice from the original creditor? Yes
Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Im not sure
Why did you cease payments? Became unemployed due to ill health
What was the date of your last payment? July 2017
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. An agreement was in place to pay £100 per month, which resulted in debt being reduced from £5300 to £3600. The bank then chose to end the agreement, and demanded payment in full. It was then transferred to collection team.
In October 2018, I received a letter stating that they had identified that I had not been treated correctly during the term of the overdraft, and they reduced the outstanding debt by approximately £600.
When I first requested the overdraft, I was not working, but in receipt of tax credits. I was able to subsequently increase my overdraft limit to about £5,000, with no affordability checks, and the fact that I was either not working, or in part time work.
Im not sure if any if this helps?
I will send the CPR 31.14 Request tomorrow, by recorded delivery.
I have also acknowledged the claim on line using the MCOL service.
I am not sure what I need to do next?
Any advice will be gratefully received!