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PRA PAPLOC Now Claimform - old Joint LLoyds OD account

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Name of the Claimant PRA GROUP (UK) LIMITED

 

Date of issue – 10 SEP 2019

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim?

1.The claimant claims the sum of £2300 for an outstanding debt owed.

 

2.On 01/04/2012 the defendant entered into an agreement with Lloyd bank plc for an overdraft account under the reference X.

 

3.on 01/04/2016 the defendant defaulted on the agreement with an outstanding balance of £2300.

 

4.On 01/06/2017 the debt of £2300 was assigned to PRA Group UK LTD. Notices of assignment were sent to the defendant in accordance with s136 law of property act 1925.

 

5.Payments of £20 were received up to 01/03/2019 and adjustments have been made in the sum of £3.

 

AND THE CLAIMANT CLAIMS

1. The sum of £2300.

 

What is the total value of the claim?

£2500

 

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?Bank Account (Overdraft)

 

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 ?In branch

 

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.Debt purchaser

 

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?Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?Yes

 

Why did you cease payments?Always kept £1 payment going

 

What was the date of your last payment?Ongoing

 

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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so only a claimform against one of you in a joint OD ?


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

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

 

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pop up on the MCOL website detailed on the claimform.
.
 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!

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

spreadsheets 

 

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So it's ok that they just sent the claim form to my wife and not to us both?

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Should I click 'Defend All'?

I would've though I'd click 'Defend Part'. Then subtract all the charges from the total amount they are claiming.

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not unless you want a guaranteed ccj...


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

spreadsheets 

 

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Which bit do I delete, as per the instructions in the attached picture?

Just the text underlined in red, or the text underlined in blue too?

ff.JPG

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theres a star which indicates which bit and its in the same colour as the star note...……...


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

spreadsheets 

 

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It doesn't make any sense though?

You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

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You remove all of it as your claim was served from MCOL CCBC......they cant attach anything to an electronic claim.


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