Thanks for the other info will also take a look at that.

It doesn't use the word reconstructed in the cover letter. Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions. They sent a separate letter on the same day advising me they will be continuing with their claim ? They have done the same for both claims. Is it worth just doing that - doing the financial breakdown and offering a x amount.

The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document. PRA Barclays CCA return (base) 26-04-24.pdf

Same as Barclays one I have just updated on. PRA group have written back and told me they intend to proceed with claim, have also sent another stack of documents, similar to last time round. I did fill in an online income breakdown etc on their website offering to pay them x amount of money back each month, a couple of weeks back, they haven't acknowledged that ?

Hello, I wasn't able to update the defence, they got the daft one. Pra Group have responded dated 25th April saying they intend to proceed with claim. I have also received a stack of documents, similar to last time - print outs of old statements, but this time around they have send me a copy of the Barclay Card Conditions. Unsigned and dated. The address is an old address. A consumer credit agreement with current address. Pages of it and no signature. I have uploaded onto a PDF what I have. The CCA agreement looks like a generic print out, I5 pages + long, I've included the 1st page that had my details on (redacted) don't know if its necessary to upload all of it. 2024-04-26 PRA return 1 page of Base agreement - 1 page of old T+C - 1 page 620000 T+Cs.26042024.pdf

Yes I have because I thought any defence is better than none. Is there away i can retract it, emailing them ?

The free pdfcompressor is really buggy on my computer, it keeps telling me to download McAfee software. I had to unistall it to get rid of the prompt ? I was using Adobe to compress the files before, obviously not very successfully. I have rescanned the documents. 2 separate ones, 1. Has the letters, default notices in it. Named. 2. Has copies of the credit agreements they have sent me. Named New Day Letters Default etc-compressed.pdf Copies of Credit Agreements Received-compressed.pdf

I have just copied a defence from your site, ref no credit agreement, so it has been submitted before 4:00pm. They have definitely not provided a CCA for Barclays, not sure about the other one. This defence is filed and served without prejudice.....etc

there's 57 pages for new day 2024-03-27 PRA Newday Claim Docs.pdf

PRA return. Barclays havent sent me a CCA agreement. 2024-03-27 PRA docs BC DN + Statements.pdf

I know. I am struggling to compress PDF file limits of this forum. There is a link to PDF below. The link will expire in 24 hours. I will re-link if necessary. Wormhole - Simple, private file sharing WORMHOLE.APP Wormhole lets you share files with end-to-end encryption and a link that automatically expires. PRA have NOT sent me a copy of credit agreement, just reams of old bank statements in no particular order going back to 2019. I have redacted the info from them, but have included a couple of samples to show you what they have sent me. They have sent me a copy of default notice. That's it. The Postal order payment was also returned for one of the accounts, with the explanation that they don't accept payments for these requests. I have put it somewhere PO somewhere safe, but will find it. I suspect it was for the Barclays account, because I have only had one payment returned.

It letting me input text onto the defence section ? I am aware I have messed up here, but both claims only arrived at the end of February.

No I didn't I got the dates mixed up.

Documents arrived today dated 27th March. This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.

Documents finally arrived today from PRA group. New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature. This debt is not too old, so possible this is the true copy of agreement ? Not sure what my defence would be beyond irresponsible lending.