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Hi
I am hoping that someone can help. I received a claim form dated 19th December from PRA group for a historical debt with MBNA. I just logged on to MCOL to sort this out and am baffled.
I had a historical debt and was making regular payments, I hadn't intentionally defaulted from these payments. However PRA group have stated that my payments stopped in June 2016 as the company (experto credite) passed the debt on to PRA group. However looking at the court documents it appears that PRA group had the debt since Dec 2014 so I can't understand why the payments have defaulted.
The claim states:
1.The claimant claims the sum of £2560 for debt and interest.
2.on 9/3/05 the defendant entered into an agreement with MBNA
for a credit card under reference xxxxxxx.
3.On 31/8/09 the defendant defaulted on the agreement with an outstanding balance of £2855.
4.On 29/2/12 the debt of £2855 assigned to Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA group on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 law of property act 1925.
Payments of £405 received up to 26/5/16
and the claimant claims
1. the sum of £2450
2. statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of *% per annum from 26/5/16 daily to 14/12/16 108.42 and thereafter at a daily rate of 0.54 until judgement or sooner payment.
I emailed PRA group requesting a copy of all letters but haven't heard back.
Should I defend the charges and interest charges or just make an offer of payment?
I haven't requested CCA or anything as thought that everything s in hand. If I acknowledge the debt do I contest it all at this stage?
Thanks
I am hoping that someone can help. I received a claim form dated 19th December from PRA group for a historical debt with MBNA. I just logged on to MCOL to sort this out and am baffled.
I had a historical debt and was making regular payments, I hadn't intentionally defaulted from these payments. However PRA group have stated that my payments stopped in June 2016 as the company (experto credite) passed the debt on to PRA group. However looking at the court documents it appears that PRA group had the debt since Dec 2014 so I can't understand why the payments have defaulted.
The claim states:
1.The claimant claims the sum of £2560 for debt and interest.
2.on 9/3/05 the defendant entered into an agreement with MBNA
for a credit card under reference xxxxxxx. 3.On 31/8/09 the defendant defaulted on the agreement with an outstanding balance of £2855.
4.On 29/2/12 the debt of £2855 assigned to Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA group on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 law of property act 1925.
Payments of £405 received up to 26/5/16
and the claimant claims
1. the sum of £2450
2. statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of *% per annum from 26/5/16 daily to 14/12/16 108.42 and thereafter at a daily rate of 0.54 until judgement or sooner payment.
I emailed PRA group requesting a copy of all letters but haven't heard back.
Should I defend the charges and interest charges or just make an offer of payment?
I haven't requested CCA or anything as thought that everything s in hand. If I acknowledge the debt do I contest it all at this stage?
Thanks
