I'm wondering if anyone can help me here
I have just received a county court summons dated 6th February.
I want to defend this claim and would be vey grateful for any advice you can give me.
Name of the Claimant ? PRA GROUP (UK) LTD
Date of issue – 06 FEB 2018
What is the claim for –
1. The Claimant claims the sum of 7688.54 for debt and interest.
2.On 07/01/08 the defendant entered into an agreement with MBNA Europe Bank Ltd for a Credit Card under reference (card number).
3.On 30/4/12 the defendant defaulted on the agreement with an outstanding balance of 5305.48.
4.On 22/6/12 the debt of 5305.48 assigned to PRA Group (UK) Ltd. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. Payments of 0.00 received up to 22/6/12
5.AND THE CLAIMANT CLAIMS
1. The sum of 5305.48
2. Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from 22/6/12 to 2/2/18 2383.06 and thereafter at a daily rate of 1.16 until judgment or sooner payment.
Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? NO
What is the value of the claim? £8198.54
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD
When did you enter into the original agreement before or after 2007? JANUARY 2008
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. DEBT PURCHASER HAS ISSUED CLAIM
Were you aware the account had been assigned – did you receive a Notice of Assignment? I WAS NOT AWARE AND DID NOT RECEIVE ANY NOTICE
Did you receive a Default Notice from the original creditor? NOT THAT I AM AWARE OF
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO
Why did you cease payments? LOST MY BUSINESS
What was the date of your last payment? I THINK LAST PAYMENT WAS BEFORE THE DEFAULT DATE BUT I AM TRYING TO FIND OUT WITH EXPERIAN
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