PRA Claimform - third MBNA card (virgin 2008)

[AndyOrch]

I think Bankfodder has missed the first 2 pages torch

[torch1]

FYI, the case has been transferred to my local court now, so I take it fees have been paid and PRA are proceeding as expected.

Edited March 11, 2019 by torch1

[dx100uk]

nope no fee to pay yet.

have you got court directions yet and a case date?
 

[torch1]

No not yet, just showing as transferred on MCOL.

[AndyOrch]

Notice of Allocation next Torch ...N157

[torch1]

Notice of transfer of proceeding letter received today saying that the small claims mediation team has arranged for my case to be transferred to my local court and that they have been unable to arrange mediation at this time and should await the judge's directions. Does that mean mediation will no longer be offered or that mediation will be done at the local court?

Edited March 13, 2019 by torch1

[AndyOrch]

Mediation is off the table...the claim proceeds to directions...Notice of Allocation next torch N157

[torch1]

I found this interesting point below from a legal case of PRA vs Mr Segal, where the defendant won a case against PRA Group based on the lack of a real default notice. The same seems to apply to the reconstituted default notice that PRA forged and sent to me recently in a poor attempt to claim that they own the debt that I have been mistakenly paying them for. I cant believe PRA get away with this behavior.

 

How did the assignee reconstitute the default notice? PRA attempted to reconstitute a copy of the default notice sent by MBNA to Mr Segal in December 2012. Either PRA or MBNA did not do this properly. The default notice produced at court was on notepaper of ‘MBNA’. However the correct legal name of that entity in 2012 was ‘MBNA Europe Bank’. Further the stationary described MBNA as ‘regulated by the Financial Conduct Authority’ but the FCA did not come into existence until 1 April 2013. These avoidable errors raised suspicions in the judge’s mind that something was not right.

 

It seems PRA did not learn from their mistake and sent me a similar badly forged default notice. Probably I should counter sue them for the thousands of pounds I have made to them in the past.

Edited March 16, 2019 by torch1

[renegadeimp]

They get away with it because very few people know what to do, what to look out for, but most of all, to challenge it.   They may issue  thousands of claims.  perhaps 1% actually challenge them properly.