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queenside69

PRA Group claimform - for old MBNA credit card debt

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Hi

 

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.

Many thanks.

 

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

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Is this claim addressed to you at your current address?

 

Have you moved since 2008?

 

Have you made all creditors aware of any address changes?

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Hi quennside and Welcome to CAG

 

Many thanks for completing our link in advance.

 

Please read the following link with regards to changes from October 2017 which claimants must comply with before issuing a court claim.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

I note that you state no to "Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) "

 

 

You have 33 days in total to deal with the claim assuming you wish to defend all of the claim.19 days to acknowledge service (6th Feb being day 1) and a further 14 days to submit a defence (33 days in total)

 

You can do both of the above on line once you have registered to use the MCOL on line service(instructions are contained within the claim response pack.)

 

Now go back to the initial link you completed and follow the instruction with regards to CPR 31.14 and CCA requests.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(1-Viewing)-nbsp

 

Regards

 

Andy


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Hi disgruntled thanks for your message. I have lived at the same address for 15 years.

 

 

 

 

Is this claim addressed to you at your current address? Have you moved since 2008? Have you made all creditors aware of any address changes?

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go ring MBNA and ask last payment date.


please don't hit Quote...just type we know what we said earlier..

 

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Hi disgruntled thanks for your message. I have lived at the same address for 15 years.

 

Yes the summons has been served at my current address

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post 5


please don't hit Quote...just type we know what we said earlier..

 

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