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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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PRA Group Claimform - old Barclaycard


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Ok - thank you for confirming it's ok.

I'll print it today and send recorded post tomorrow morning.

Both sent this morning recorded post. CCA letter and CPR letter.

 

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  • 2 weeks later...

Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974.

Confirming they are in receipt of my CCA letter request - and that they are requesting the required information.

They returned the £1 postal order.

And my CCA letter.

Stating that they will contact me with an update ASAP.

They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'. 

 

I need to file my defence by 21 June 24.

Any suggestions as to what that defence should be ? 

 

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On 26/05/2024 at 15:13, dx100uk said:

date for filing defence by - 21-06-2024

find 'PRA claimform' threads ......use our enhanced goofle searchbox

On 26/05/2024 at 15:13, dx100uk said:

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]

that letter is a std response in every pra claimform thread

dx

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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 will not be awaiting any further paperwork from them.

I will be filing my defence before 21 June.

Yes, it is a complete 'standard' letter full of complete garbage.

I will search the threads.

Thank you.

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post your defence up here in advance please

dx

 

  • Like 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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Share on other sites

Will do - looking through the threads now using the enhanced google search box.

Is there a specific time frame ( i.e year ) I should be looking at regarding threads to research my defence. Should I be looking at recent defences ?

The agreement is alleged from 2000.

I have been researching using the enhanced google search box.

Thanks

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Not really as long as its relatively new and similar and post Pre Action Protocol changes. 

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Particulars of claim for reference

1. The claimant claims the sum of £5600 for an outstanding debt owed.

2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ).

3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600.

4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23.

5. 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.

1.The Defendant contends that the particulars of claim are vague and generic in nature. The claimant even fails to refer to an agreement number. Therefore the defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

2. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.

3. Paragraph 2 is noted. Whilst I have had dealings with Barclays Bank UK PLC .The agreement reference number referred to within the particulars I do not recognise therefore I am unaware what agreement the claimant wishes to rely upon. 

4.Paragraph 3 is noted although without knowledge of which account the claimant refers to I can neither admit or deny the receipt of a Default Notice pursuant to sec 87(1) CCA1974 being received. 

5. Paragraph 4 is noted but again as above I am not aware of what agreement the assignment refers to.

6. On receipt of this claim I requested information pertaining to this claim from PRA group (UK) Limited by way of a CPR 31:14 request sent via 1st class recorded post on 06/06/2024 and further to the above I sent PRA group UK Portfolios Ltd a section 78 pursuant to the CCA1974 request via 1st class recorded post on 06/06/2024. 

To date, PRA Group Uk Portfolios Ltd or PRA group (UK) Limited are yet to furnish me with the requested information  and therefore prevented from enforcing the alleged agreement. 

7.Therefore with the court’s permission the Claimant is put to strict proof to evidence and : 

a) show and disclose how the Defendant has entered into an agreement;

b) show and disclose how the Claimant has reached the amount claimed for;

c) show and evidence the nature of breach and service of a Default Notice pursuant to Sec 87 (1) CCA1974.

d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 

8. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed. 

By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

 

to note:

the claimant has given a 'reference' number. It is 11 digits long.

Regarding 2 - do I even say I have had dealings with Barclays Bank UK PLC ?

Also the 'particulars of claim' are not in paragraphs on the claim form. It is just one chunk of text. With sentences.

Do I refer to these as paragraphs ? As I have in the above defence.

regarding 5.

do I mention the CCA 1974 act or just leave is as 'section 78 request'  ?

Thanks you.

 

 

.

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Thank you.

Interesting they're not mentioning Barclaycard. Just Barclays Bank UK PLC.

This may be referring to an Egg card ...but I simply don't know.

I shall be filing my defence tomorrow.

Before the deadline.

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or an egg loan? as you say their paperwork only refers to an 11 digit number not a 16 digit on for a card?

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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Couldn't get back to you this afternoon

I will tidy it up in the morning ready for the deadline

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 OTHERS

 

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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Thank you.

I truly appreciate it.

I've never had an Egg loan. Just to confirm.

Definitely not a loan.

Yes. It is an 11 digit 'reference' number.

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Defence checked just a few additions in orange.

 

Andy

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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 - The National Consumer Service

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

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Ok. looking now ...

 

Regarding 2. 

I did get a letter before the Claim Form. I'm certain it's not a ' letter of claim ' .

But it is a letter. on 1 page.

It did not 

(c) enclose a copy of the Information Sheet and the Reply Form at Annex 1 to this Protocol; and - 4 - (d) enclose a Financial Statement form (an example Financial Statement is provided in Annex 2 to this protocol

- the Statement is part of the Standard Financial Statement and can be downloaded from sfs.moneyadviceservice.org.uk).

 

 

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scan it up to PDF please

read upload

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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Share on other sites

not a letter of claim.

what are the 1st 6 digits of AC number on the claimform please

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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Share on other sites

i did say claimform...but

as long as they are the same?

 

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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Share on other sites

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