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  • GUIDES & LETTERS

    Shortcuts for Consumer Credit Court Claims.

    Check your dates || PRE-ACTION || First Steps || Acknowledge a Claim || Guides || Example Defence || CCA Request Letter || CPR 31.14 Request Letter || Set Aside Application || Subject Access Request Letter

    If you received a court claim and want to start a new thread in this forum please read THIS POST about your first steps and make a new thread in the forum

    PLEASE DO NOT SEND THINGS WITHOUT READING THEM FIRST. IF YOU DO NOT UNDERSTAND SOMETHING - ASK !! - We LIKE QUESTIONS !!!

    We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
    If your case is over 10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.

    NOTE: If you receive a court claim note these dates in your calendar ...
    Acknowledge Claim - within 14 days from Service
    Defend Claim - within 28 days from Service (IF you acknowledged in time)
    If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.

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PRA GROUP V's BRIGO

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  • #31
    Re: Bankruptcy and your home

    Originally posted by brigo View Post
    One started court proceedings ,One probably about to .

    I have never missed a payment on my mortgage .
    So mortgage up to date.

    How much is the company that's started court claim chasing you for, and what is the debt for e.g. credit card/catalogue/loan.

    Comment


    • #32
      Re: Bankruptcy and your home

      9,500 credit card
      Last edited by brigo; 17th February 2017, 19:45:PM.

      Comment


      • #33
        Re: Bankruptcy and your home

        Originally posted by Streetwise View Post
        How much is the company that's started court claim chasing you for, and what is the debt for e.g. credit card/catalogue/loan.
        The OP's thread on this claim can be found here where you'll see it's from PRA for a MBNA credit card > http://legalbeagles.info/forums/show...707#post708707

        Di
        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

        This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


        Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

        Comment


        • #34
          Re: Bankruptcy and your home

          Originally posted by brigo View Post
          9,500 credit card
          Hopefully your dark thoughts about bankruptcy are premature.

          You've received a claim not a CCJ

          Di
          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

          This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


          Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

          Comment


          • #35
            Re: PRA GROUP V's BRIGO

            Originally posted by brigo View Post
            I have sent the requests on the 7th of Feb .

            I havnt sent a SAR ..... thinking about an IVA ..... Bancruptcy

            Tooooo much to handle

            Thanks for the help and advice Di
            So how are things going?

            Hopefully the calls have stopped unless they're chasing another debt. They'll stop eventually if you don't answer them and then they'll switch to correspondence which is easier to handle.

            Have you received any response to your CCA Request or your CPR 31.14 Request?

            Sending a SAR to MBNA can only help your case in the long run so try to find the strength (and the 10 ) to do that on Monday.

            Di
            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

            This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


            Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

            Comment


            • #36
              Re: Bankruptcy and your home

              Originally posted by brigo View Post
              9,500 credit card
              Just wait for the CCA to come back,if it come's back. Can admin not put these threads together.????

              Comment


              • #37
                Re: Bankruptcy and your home

                CCA not come back yet but received letter to say when they receive documents they will send .

                Thank you all for your input

                Brigo

                Comment


                • #38
                  Re: Bankruptcy and your home

                  Originally posted by Streetwise View Post
                  Just wait for the CCA to come back,if it come's back. Can admin not put these threads together.????
                  Possibly. If you ask [MENTION=49370]Kati[/MENTION] nicely

                  Di
                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                  This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                  Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                  Comment


                  • #39
                    Re: Bankruptcy and your home

                    Originally posted by Streetwise View Post
                    Can admin not put these threads together.????
                    Originally posted by Diana M View Post
                    Possibly. If you ask @Kati nicely
                    sorted :yo: xx
                    Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                    It doesn't matter where your journey begins, so long as you begin it...

                    recte agens confido

                    ~~~~~

                    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                    I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeagles.info
                    But please include a link to your thread so I know who you are.

                    Specialist advice can be sought via our sister site JustBeagle

                    Comment


                    • #40
                      Re: PRA GROUP V's BRIGO

                      I get 5 or 6 calls a day now from 4 different numbers one is a local number which apparently is an option available to users to fool people it may be someone local (so BT has told me).
                      Had a letter from PRA telling me the documents requested have been applied for and will be available in due course.
                      I will send a SAR on Monday to MBNA

                      Comment


                      • #41
                        Re: PRA GROUP V's BRIGO

                        Originally posted by brigo View Post
                        Had a letter from PRA telling me the documents requested have been applied for and will be available in due course.
                        I will send a SAR on Monday to MBNA
                        Oh good, PRA have admitted that they don't have the credit agreement in their possession at the moment.

                        Keep an eye on your Defence filing deadline regardless of whether they are still unable to produce it by then. It's the court timetable you need to stick to now.

                        The deadline will be 33 days from the claim Issue Date.

                        Di
                        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                        This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                        Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                        Comment


                        • #42
                          Re: PRA GROUP V's BRIGO

                          Yes got deadline marked on my calendar.

                          Thanks for your support

                          Comment


                          • #43
                            Re: PRA GROUP V's BRIGO

                            Hi everyone I would just like to thank everyone for their input.

                            I am just about to prepare my defence for this court claim.

                            Can I file my it all on line? I filed acknowledgment on line.

                            Do I have to send a copy to PRA?

                            Comment


                            • #44
                              Re: PRA GROUP V's BRIGO

                              Have sent my defence in and had aknowledgements from PRA about CCA Request and CPR 31.14 Request? Information to follow
                              but at this present time the debt is unenforceable,and will remain as such until they able to comply fully with their obligations.

                              Is this good...? sounds good or am I just too hopeful .

                              Also they say original client was Varde Experto dont know if this is significant I cant remember I thought it was MBNA so confusing.

                              I realise everybody will be busy but any help and advice would be much apreciated

                              Thanks Brigo

                              Comment


                              • #45
                                Re: PRA GROUP V's BRIGO

                                Originally posted by brigo View Post
                                Also they say original client was Varde Experto dont know if this is significant
                                Yes it is

                                Especially since Varde Experto was NOT the original creditor.

                                Interesting that PRA have not mentioned that assignment (from MBNA to Varde) in the Particulars of Claim . . .

                                Di
                                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                                This forum’s site rules don’t allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                                Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                                Comment

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