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sparkydave

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  1. So today I received a letter from PRA stating they have informed the court they intend to continue with the claim. Is that normal?
  2. Looks that way! They have 28 days to respond, presumably they need to produce the requested documentation?
  3. Defence submitted, and acknowledged by court. No documents received from PRA, although letter received exposing that they are trying to get them
  4. Hi, thanks again. What is my defence? Is there a particular way I need to word it, is there examples on here? I have searched like you said, but can’t find what I’m looking for!
  5. Hi. Thanks for your advice. I have had various letters from PRA, but I’m not sure if any of them were a letter of claim. My 31.14 request sent by recorded delivery has now been received by them. The current account with the OD was closed by halifax, but I still have another current account with the same branch. What happens now, can I expect a response from PRA? thanks again
  6. 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! thank you
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