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PRA Claimform - Old Barclaycard debt


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please copy and paste the questionnaire here as text in a msg box

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to PRA Claimform - Old Barclaycard debt

i have update the thread title

also please use PDF and UPLOAD not use online sites like onedrive as that has all your personal details showing and you dont want pra finding you here nor you harvesting our pers details

links removed from post 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hidden

copy and paste the text here not as a docx file please

docx files have all your pers details in file info / properties.

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Posted (edited)


Name of the Claimant ? PRA Group UK Portfolios LTD

Date of issue 21st February 2024

How many defendant's  joint or self ? Self

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

1. The claimant claims the sum of £7300 for the outstanding debt owed.

2. On 05/07/2008 the defendant entered into an agreement with Barlcay Bank UK PLC for a a credit card under reference (10 numbers).

3. On  29/06/2023 the Defendant defaulted on the agreement with an outstanding balance of £7300.

4. On 17/07/2023 the debt of £7300 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd

5. 0n 30/12/2023.Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925.

6. The Claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf

AND THE CLAIMANT CLAIMS 1. The sum of £7300

What is the total value of the claim? £7800 (Inc court fee and legal representatives costs of £100)

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Had a letter before claim dated 27th November, told to respond before 01/01/2024 

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? Credit Card

When did you enter into the original agreement before or after April 2007? 05/07/2008

Do you recall how you entered into the agreement...On line /In branch/By post ? Probably online, long time ago ?

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? The debt has changed from original creditor to PRA group. Showing as defaulted

Were you aware the account had been assigned – did you receive a Notice of Assignment? 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

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes had one dates 17th May 2023 

Why did you cease payments? Couldn’t afford them due to interest increase, cost of living and loss of income from self employment

What was the date of your last payment? 7th January 2023

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? Contacted MBNA, my largest debt initially, after they had increased the interest on my account to such a level that I couldn’t afford to pay it, they referred me onto PayPlan, started the application, contacted all my creditors to tell them I was sorting out an IVA. Did some further research and came across this site and was advised to do own payment plan

Edited by dx100uk
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What ?

Tells you everything in our link what you must do and by when to prepare .....we will come back to you when your ready to submit your defence.

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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pop up on the bulk court website detailed on the claimform.
[if it is not working return after the w/end or the next day if week time]
.
When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word.

You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.

 then log in to the bulk court Website
.
 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
[BUT you MUST file a defence regardless by day 33 ]
click thru to the end
confirm and exit the website
..
get a CCA Request running to the claimant
.
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
..
Leave the £1 PO unsigned and uncrossed
.
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/

.
.use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt] 
https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/

on BOTH type your name ONLY
Do Not sign anything
.do not ever use or give an email
.
you DO NOT await the return of ANY paperwork 
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]

..............


 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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right do NOT miss your defence filing date no matter what happens or not.

use our google enhanced searchbox not the one in the top red banner..

claimform barclaycard

i would recommend reading several threads a day.

this will also inform you of the court process going forward and what's beyond that.

please post up your defence in good time so we can help with it.

dx

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

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. 

 

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sounds pretty typical.

scan everything up to ONE multipage PDf please

follow upload

we dont need any statements.

just realised you didnt answer the questions when AOS and Defence was due...

defence was due on the 22nd ...did you file one??

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can you still log into your account and see if it will accept a defence ?

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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you need to get your finger out and sort this!!

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I know. 

I am struggling to compress PDF file limits of this forum.

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. 

Correction. The postal order was returned for New Day. Never received the returned payment for Barclays if they don't accept them. 

Yes it will up to now let me login into input a defence. Started doing it on Friday, still letting me access both as of now. 

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please dont use hosting sites that want/harvest email/pers details.

ive removed it.

upload the PDF here 

you need to get on done TODAY and file a defence by 4pm.., we can give that but we need the PDf of what they have sent.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 

 

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hope you didnt file that..:frusty:

its from 2009 and a very old and useless utter twaddle embarrassed defence.

use one from THIS YEAR OR LAST...100's here.

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

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

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all are incomplete?

we need all pages.

the agreement must be for the time/address of takeout date with a tickbox/sig/or typed name if online.

the T&C's must have your name and address for the time of their released 'update' 

the base agreement is here already in many barclaycard PRA or Lowell threads go read a few 10's...

as appears and as other threads...mostly bogroll.

await the DQ n180 from the court IF one ever comes

keep checking MCOL history status.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have a look at 

https://www.consumeractiongroup.co.uk/topic/451423-pra-letter-of-claim-old-barclaycard-debt/?do=findComment&comment=5256506

the docs in this thread are what you should get.

if the agreement the correct date for signup

and does the PRA or BC cover letter use the word reconstructed?

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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.  

 

Edited by Stripeycat
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