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  1. The entry on my credit file is PRA. The only reason I can think they are using that address is they chased me years ago for an old payday loan that defaulted in 2011. Barclays have always had my correct address.
  2. I have been getting letters from PRA regarding a Barclaycard account I took out in 2015, at my current address, defaulted in 2020. The account is on my credit file, with an address I haven't lived at for 12 years. The letters from PRA are all being sent to my current address. I'm reluctant to start contacting them, unless I receive a letter of claim. But, I am concerned about them potentially using an old address to get a backdoor CCJ. Should I send a short letter confirming my current address, or leave things as they are?
  3. I received a Letter of Claim approximately 6 weeks ago and ignored it until I received a claim form for 4 New Day credit cards that were assigned to Lowell. I have acknowledged service and will start preparing my defence. Are Lowell able to issue claims for multiple accounts on one form? I will send CCA requests on Monday. Do I need to send them a separate request for each account with separate postal orders? Which Court have you received the claim from ? Northampton N1 Name of the Claimant ? Lowell Portfolio Ltd Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 10 Jun 2022 Particulars of Claim What is the claim for – the reason they have issued the claim? 1. The Claim comprises the following Agreements the Defendent entered into: a. New Day Ltd with reference xxxx and current balance of xxx b. New Day Ltd with reference xxxx and current balance of xxx c. New Day Ltd with reference xxxx and current balance of xxx d. New Day Ltd with reference xxxx and current balance of xxx The Agreements were terminated as payments were not maintained and subsequently assigned to the Claimant. And the Claimant claims: a) The total of the said sums being £3886.87 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £310.95 c) Costs What is the total value of the claim? £4482 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes 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? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Cards 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...) ? 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. Accounts assigned to Lowell 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? Cannot remember or find them Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Cannot remember or find them Why did you cease payments? Lost job and close member of family was seriously ill and I buried head in sand re financial problems. What was the date of your last payment? Approx 2 years ago 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? Initially applied for payment holidays during COVID then made no further payments.
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