PRA Group and CCJ's

[shabisheek]

Re: PRA Group and CCJ's

Great thanks Charity.

I shall print and sign the defence and email it over now.

Thankyou again for your help.

Once I've emailed it to the court what happens next?

[charitynjw]

Re: PRA Group and CCJ's

Hold up!

Ok. So have I got this right? .................. and a CPR request to the claimants solicitors

Your post #24

Your defence atm states sent to PRA.

[shabisheek]

Re: PRA Group and CCJ's

There were no contact details of the claimants solicitors on the claim form from the court. It was signed by the claimants legal representative therefore I sent the request letters direct to PRA Group.

Am I ok to continue sending the defence?

[charitynjw]

Re: PRA Group and CCJ's

If you sent the CPR 31.14 to the address given on the court claim form, I reckon you're good to go with your defence.

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If you are emailing it to court, put '(PRA) v (shabisheek) Claim no XXXXXXXX' in the subject box.

[shabisheek]

Re: PRA Group and CCJ's

Great I'll email it now.

Thankyou very much for all of your help.

So, what happens next?

[charitynjw]

Re: PRA Group and CCJ's

Usually, the court notifies you that your defence has been accepted, that a copy has been sent to the Claimant & that they (Claimant) have 28 days to reply to it.

[shabisheek]

Re: PRA Group and CCJ's

Ok. I will let you know if I receive any further correspondence. I must admit though I'm a little worried I've missed the deadline!!!

I will keep you posted.

Kind Regards,
Shabisheek

[Diana M]

Re: PRA Group and CCJ's

I must admit though I'm a little worried I've missed the deadline!!!

Call the court to check they've received it or login online and see it for yourself. Don't panic if it's not showing since the database can be a couple of days behind updating.

Although the Defence deadline was 4 pm yesterday the MCOL system won't allow the Claimant to enter a request for judgment until after midnight.

I didn't tell you that yesterday in case you dawdled

Di

[Diana M]

Re: PRA Group and CCJ's

I'll email it now.

Did you get an auto-receipt email from NCCBC when you filed it?

Di

[shabisheek]

Re: PRA Group and CCJ's

I'll login online and check that they have received it.

Its a good job I came on here yesterday. Cant thank you guys enough for the heads up!!!

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Yes I did get an automated response Di thanks

[Diana M]

Re: PRA Group and CCJ's

Does the name Varde or Experto Credite feature on the list of creditors who've been chasing you?

^ ^ ^ Now let's go back to post # 11 where I asked you if the name Varde or Experto Credite meant anything to you.

This was your answer >

To be honest, Experto Credite definitely rings a bell over the years but I'm not sure if it relates to this or another debt I may have had? Other than checking over my bank statements is there any other way I can find out? What is the significance of this?

I can't tell you the significance just yet (sorry to tease) but you do need to follow this line of enquiry.

I also suggested that you should send a Subject Access Request to MBNA.

Have you done that?

send a Subject Access Request to MBNA to get the full history of the account which will prove useful further down the line (all will be revealed).

Di

[shabisheek]

Re: PRA Group and CCJ's

Hi Di. I haven't sent a subject access request to MBNA but I will do so.

Just to give you a further update, I received a letter from the Court where they have acknowledged my defence, and yesterday I received a letter from PRA Group where they have confirmed that they are continuing with their claim.

Other than sending a subject access request to MBNA do I need to do anything else in the meantime?

Regards,
Shabisheek

[shabisheek]

Re: PRA Group and CCJ's

Hi Di,

I did send a CCA request and a CPR 31.14 request to PRA Group. I received a letter from them acknowledging receipt and that they would supply me with the information however I have not received anything from them. Do I still need to send a Subject Access Request to MBNA and if so can you supply me with a Template letter?

Thanks,
Shabisheek

[Kati]

Re: PRA Group and CCJ's

There should be a template SAR on here = https://ico.org.uk/for-organisations...ccess-request/

[Diana M]

Re: PRA Group and CCJ's

You really must send that SAR asap. I've been nagging you to do this since February. The contents could be the make or break evidence you need to help you defeat this claim.

The POC have a two year 'information gap'. By that I mean where did the account go after it was defaulted by MBNA in 2009 and when it popped up again at AK in 2012?

I think it may have been assigned to Varde/Experto Credite during that period but I can't help you if you don't get the facts from your MBNA SAR.

What I can say it that I'd be surprised if PRA don't take this claim all the way to a Trial so you need to focus.

POC as follows:
The claimant claims the sum of 4934.13 for debt and interest. On 29.06.06 the defendant entered into an agreement with MBNA for a credit card under reference xxxxxxxxxxxxxxxx. On 31.10.09 the defendant defaulted on the agreement with an outstanding balance of 4749.06. On 29.02.12 the debt of 4749.06 assigned to Aktiv Kapital Portfolio AS, Oslo Zug Branch, who itself assigned the debt to PRA Group (UK) Ltd on 31.12.14.

Sorry to sound bossy but it's necessary at times

Di