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dagboyblue

PRA Group HBOS Credit Card debt PAPLOC now Court Claim

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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

 

is what the must do...

 

me thinks they are just waving their daggly bits

and of course

the nearer, if it was not already, the SB point passes...


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That letter is likely automated. Nobody apart from you has ever seen it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi

 

Ok i have finally received the Documents from HBOS, I have all the statement information up to the hand over to Aktiv (PRA Group)

 

there is nothing in the document pack with regards to letters from myself or Compass "acting on my behalf" ??

 

the statements from 2011 to 2014 do not show where the payment came from e.g. Compass

 

I havent heard anything from PRA since 2oth Nov where they stated they would continue to take the matter to court after 15days LOL.

 

I suspect they might of held back as i believe HBOS notified them I have requested a SAR.

 

What do you think my next steps should be ?

 

thanks again for all your help

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let it run 


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cool thanks

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unlocked

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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Hi 

 

Ok, I haven't heard anything from the PRA Goup since Nov 2018, but on 6th Sep i received a "Letter Before Claim".

 

This is a bit of a strange one as this is the 2nd one I have received , the first was way back in 2018 (beginning of this post) which was not replied to as I had already sent a CCA request and hence why this post was originally created.

 

So do i begin the whole process again and follow the steps as pointed out in -

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

 

as i have already receive a lot of the information ?

 

thanks again 

 

 

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cca request again is not needed.

 

 


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ok so I believe the only thing they haven't provided is a correct copy of is the full statement from April 2011 as they only provided me with a print out from their own system and not a correct HBOS Statement 

 

Everything else I have received 

 

So do I tick D on the reply form and request a full statement from HBOS ?

 

thanks again 

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where the default notice?

 

dx


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wow, yes you are right i dont have any record of a default notice.

 

so looking at this again I need to request the following - 

 

A copy of the Default Notice 

 

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.

 

List of ALL Payments made toward the Agreement

 

 

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as the guide minus the CCA


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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great - I will get this back to PRA 

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Hi

 

I have attached the Response from PRA, the documents they have sent includes CCA, T&C's, account statement but only from 2010 (agreement was made in 2006) and again a PRA spreadsheet statement from 2014 to 2016 and copies of the notice of assignment.

 

As I see they still have not complied with my request for -

 

A copy of the Default Notice 

 

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.(which should be from 2006 to 2016)

 

List of ALL Payments made toward the Agreement

(which should be from 2006 to 2016)

 

should I respond requesting this information or is there a set reply for not meeting my request

 

thanks

PRA Respone 11102019 edited for forum.pdf

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Wondered if anyone has had a chance to look at my latest response ?

 

 

any help really appreciated

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so yet to fully comply then?

scan up the reply to ONE multipage PDF 

we don't need the statements as I expect they are from PRA's data base not on headed notepaper from the oc?

 

no DN is typically fatal to any court claim.

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi 

 

sorry for the delay i was having a problem with my scanner.

 

I have attached the following 

1x Latest letter from PRA

3x Notice of assignments (BOS, Aktiv, PRA)

1x credit agreement (which was signed as per earlier post)

1x first page of T&C's there are 8 pages in total but thought you only need to see what was received.

 

so i see it they have not provided - 

 

A copy of the Default Notice 

 

A complete set of statements detailing exactly how the debt has accrued detailing:

All Transactions.(which should be from 2006 to 2016)

 

List of ALL Payments made toward the Agreement

(which should be from 2006 to 2016)

 

Thanks again for all your help 

 

 

 

PRA1 (1)_compressed (1).pdf

Edited by dagboyblue

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pers again id let this run

see if they do raise a court claim.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi

 

ok I received a court claim today issued on 13th so need reply to this within 14 days from date of service.

 

I assume I need to point out in the reply they have not provided all the information I requested I.e default notice and a full statement.

 

are there any links to standard procedure on this ?

 

thanks again

 

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Thread moved to Financial Legal Issues Forum in view of the court claim.Please read the following link and then copy and paste the Q,s and your responses back here for further advice on how to proceed.

 

Andy


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Name of the Claimant ? PRA Group

 

Date of issue – . -13/11/2019

 

Date to acknowledge - 29/11/2019

 

date to file defence  13/12/2019

 

Particulars of Claim

 

What is the claim for – 

 

1.The Claimant claims the sum of £6605 for an outstanding debt owed.

2.On 30/08/2006 the defendant entered into an agreement with LLoyds TSB BankPLC for a credit card under ref xxxxxxxxxx.

3.On 09/03/2011 the defendant defaulted on the agreement with an outstanding balance of £6864.

4,On 24/06/2014 the debt of £6679.31 was assigned to Aktiv Kapital portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA Goup UK LTD on 31/12/2014.

5.Notices of assignment were sent to the defendant in accordance with S136 law of property act 1925.

6.Payments of £61.58 were received up to 07/01/2016 and adjustments have been applied in the sum of £13.18

 

and the claimant claims 

1. The sum of £6605

 

What is the total value of the claim? £7115

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? I received a letter before claim 02/09/2019

 

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?  = No 


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  03/06/2006

 

Do you recall how you entered into the agreement...On line /In branch/By post ? By Post ( i think)

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No 

 

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. account assigned from LLoyds TSB to PRA Group

 

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? I Have No record of this default notice and it has not been provided by the PRA group

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes from Aktiv / PRA

 

Why did you cease payments? My wife had lost her job and we did not have enough access fund to carry on the payments

 

What was the date of your last payment? 07/01/2016 through our debt management company "Compass" however this company went bankrupt and i have no records of the payments to creditors

 

Was there a dispute with the original creditor that remains unresolved? No, I had no contact with the original creditor 

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes through "Compass" debt management.

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please note your corrected defence filing date.

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
..

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
..
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Ok i have registered and acknowledged on MCOL website 

 

with regards to the CPR31.14 Request

 

as i am only missing the Default Notice and full statement (as my previous post) do I just request these documents ? or also request the agreement (point 1)

 

sorry if its a bit obvious, i just want  to make sure i get it right first time 

 

thanks

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They refer to a default and a balance in their pleadings ....so yes.

Have you not already got the agreement ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Hi 

 

yes i already have - 

 

the agreement 

Notice of assignment 

statement - but not fo complete period  2006-2016, and this is just printed on plain paper 

 

 

So i will just request the Default notice and full statement on the CPR Form 

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