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Midlands Chap

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  1. Which Court have you received the claim from ? Northampton County Court Name of the Claimant ? PRA Group (UK) Limited Date of issue – 16 May 2022 Particulars of Claim What is the claim for – What is the total value of the claim? c.>£10k + 10% Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Not applicable 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 April 2007 ? Before April 2007 Do you recall how you entered into the agreement...On line /In branch/By post ? In Branch Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? No 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 ? No Why did you cease payments? Furloughed and drop in salary - and unable to resume payments after payment holiday. What was the date of your last payment? c.14 months ago Was there a dispute with the original creditor that remains unresolved? No, no response to my offers to repay. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, wrote twice and no response to letters.
  2. Hi there! Thank you for taking the time to reply. I'll do this now, but before I do, just a small thing - do I give everything, including reference numbers etc?? Is that what you do here - just a bit concerned about prejudicing anything or people doing anything with the confidential information I post. Or am I fretting about nothing?
  3. Hi there - newbie here and I need just a little help!!! I had a Barclaycard for over 20 years. I was furloughed for over a year because of Covid and despite having 3 months of deferred payments, I found that the repayments then demanded were unsustainable because I was still furloughed and just couldn't pay them. So, my account was defaulted - I wrote to them twice and never got a response, and now I have received a letter from Northampton County Court Business Centre with a claim from PRA. I have not seen a single letter from PRA about this. Not one. I have since had new employment but have been working away all last week and only saw the letter on Friday which was issued 14 days ago. I've googled this website as I don't know what to do next!! I keep on top of my other debts now and don't want to shirk responsibility. However, I am not in a position to pay it all off - it's over £10k. How can I buy time? What do I need to do? I can't even negotiate a settlement I don't think and have incurred court costs as well. I have had a look through this site over the weekend - if I register an Acknowledgement of Service, just to get 14 days to get myself together, what else do I need to do? I'm not contesting that I owe Barclaycard money in principle - however, I did notice that they haven't included a copy of my credit agreement. What's the first thing I need to do, and if I did dispute the claim, would this be a frivolous action?? Ideally I really don't want a CCJ as I have worked hard elsewhere to try and stay on the straight and narrow. Any help or advice would be massively appreciated. Thank you in advance.
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