Page 2 of 3 FirstFirst 123 LastLast
Results 26 to 50 of 57

Thread: PRA GROUP V's BRIGO

  • Share
  • Thread Tools
  • Display
  1. #26
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default Re: Bankruptcy and your home

    I owe £35k to 6 companies and an existing mortgage they wouldn't let me have now never mind adding another £35 k on

  2. #27
    Join Date
    Mar 2010
    Posts
    149
    Mentioned
    47 Post(s)

    Default Re: Bankruptcy and your home

    When you say sole ownership are you married?
    I am a solicitor who specializes in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedents for creditors compliance with s.77 & 78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email jo@joannaconnollysolicitors.co.uk. Our initial advice is always free.

    Any posts I make on Legal Beagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum 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

  3. #28
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default Re: Bankruptcy and your home

    No I'm single

  4. #29
    Join Date
    Mar 2011
    Posts
    488
    Mentioned
    0 Post(s)

    Default Re: Bankruptcy and your home

    Quote Originally Posted by brigo View Post
    I owe £35k to 6 companies and an existing mortgage they wouldn't let me have now never mind adding another £35 k on
    Are the 6 companies chasing you for payment or have they started court proceedings.

    Are you paying your mortgage and is it up to date.

  5. #30
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default Re: Bankruptcy and your home

    One started court proceedings ,One probably about to .

    I have never missed a payment on my mortgage .

  6. #31
    Join Date
    Mar 2011
    Posts
    488
    Mentioned
    0 Post(s)

    Default Re: Bankruptcy and your home

    Quote 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.

  7. #32
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default Re: Bankruptcy and your home

    £9,500 credit card
    Last edited by brigo; 17th February 2017 at 18:45:PM.

  8. #33
    Join Date
    Jun 2016
    Posts
    3,131
    Mentioned
    417 Post(s)

    Default Re: Bankruptcy and your home

    Quote 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 specializes in consumer credit.

    This forumís site rules donít 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

  9. #34
    Join Date
    Jun 2016
    Posts
    3,131
    Mentioned
    417 Post(s)

    Default Re: Bankruptcy and your home

    Quote 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 specializes in consumer credit.

    This forumís site rules donít 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

  10. #35
    Join Date
    Jun 2016
    Posts
    3,131
    Mentioned
    417 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Quote 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 specializes in consumer credit.

    This forumís site rules donít 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

  11. #36
    Join Date
    Mar 2011
    Posts
    488
    Mentioned
    0 Post(s)

    Default Re: Bankruptcy and your home

    Quote 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.????

  12. #37
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default 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

  13. #38
    Join Date
    Jun 2016
    Posts
    3,131
    Mentioned
    417 Post(s)

    Default Re: Bankruptcy and your home

    Quote 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 @Kati nicely

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

    This forumís site rules donít 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

  14. #39
    Join Date
    Jun 2014
    Posts
    10,043
    Mentioned
    950 Post(s)

    Default Re: Bankruptcy and your home

    Quote Originally Posted by Streetwise View Post
    Can admin not put these threads together.????
    Quote 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 http://lbcompare.co.uk

  15. #40
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default 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

  16. #41
    Join Date
    Jun 2016
    Posts
    3,131
    Mentioned
    417 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Quote 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 specializes in consumer credit.

    This forumís site rules donít 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

  17. #42
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Yes got deadline marked on my calendar.

    Thanks for your support

  18. #43
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default 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?

  19. #44
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default 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

  20. #45
    Join Date
    Jun 2016
    Posts
    3,131
    Mentioned
    417 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Quote 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 specializes in consumer credit.

    This forumís site rules donít 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

  21. #46
    Join Date
    Feb 2017
    Posts
    24
    Mentioned
    0 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Can any body tell me what happens if PRA win the case and I have to pay within 28 days ? ( which would be impossible).

    Will I still have an option to pay by affordable installments ?

    Just thought it best to be prepared if I have to take action quickly.

    Brigo

  22. #47
    Join Date
    Nov 2014
    Posts
    14,413
    Mentioned
    1591 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Quote Originally Posted by brigo View Post
    Can any body tell me what happens if PRA win the case and I have to pay within 28 days ? ( which would be impossible).

    Will I still have an option to pay by affordable installments ?

    Just thought it best to be prepared if I have to take action quickly.

    Brigo
    Yes you will have the opportunity to negotiate a payment plan and you could offer this secured by a " Tomlin / Consent order in which no CCJ is made and the claim is stayed as long as the payments are made any breach of the order enables the claimant to seek judgment immediately.
    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





  23. #48
    Join Date
    Jun 2016
    Posts
    3,131
    Mentioned
    417 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Quote Originally Posted by brigo View Post
    Can any body tell me what happens if PRA win the case and I have to pay within 28 days ? ( which would be impossible).

    Will I still have an option to pay by affordable installments ?
    If PRA win the case the CCJ is likely to be a 'forthwith' order which means pay up "now". Some CCJs will say 14 days or 28 days depending on what's decided in court at the time.

    If you pay the whole sum within 28 days it won't be registered on Trust Online or any of the CRA files.

    If you can't afford to pay the whole sum stated on the CCJ within the timeframe stated on the CCJ then you can apply to the court to vary the Order to an instalment Order where the amount you must pay will be decided on production of your Income & Expenditure form.

    If you don't pay the amount stated on the CCJ then the Claimant can seek enforcement action such as bailiffs or an Attachment of Earnings (unless you're not working or self-employed)


    Quote Originally Posted by nemesis45 View Post
    Yes you will have the opportunity to negotiate a payment plan and you could offer this secured by a " Tomlin / Consent order in which no CCJ is made and the claim is stayed as long as the payments are made

    If PRA win the case (which is what the OP is asking about in their question) there is no possibility of a Tomlin Order because there would already be a CCJ.

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

    This forumís site rules donít 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

  24. #49
    Join Date
    Mar 2010
    Posts
    149
    Mentioned
    47 Post(s)

    Default Re: PRA GROUP V's BRIGO

    Quote Originally Posted by nemesis45 View Post
    Yes you will have the opportunity to negotiate a payment plan and you could offer this secured by a " Tomlin / Consent order in which no CCJ is made and the claim is stayed as long as the payments are made any breach of the order enables the claimant to seek judgment immediately.
    nem

    This is not correct advice Nemesis45 because Judgment would already have been entered by the court. A Tomlin Order would have to be entered into before Judgment was handed down by the District Judge.

    However as the Judgment would be entered after a trial/hearing then it will not reflect on the OP's credit history or the registry trust however long it takes to pay unless the claimant has to take steps to enforce the order or the OP makes an application to vary the amount etc. Therefore if the OP can agree payment terms without any variation to the original order then it will not reflect on the OP's credit history.

    The exception to the above is if the District Judge makes an order at the time Judgment is entered (i.e. at the hearing) allowing for instalments. Then it does show on the credit file and on Registry Trust immediately.
    I am a solicitor who specializes in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedents for creditors compliance with s.77 & 78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court.

    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email jo@joannaconnollysolicitors.co.uk. Our initial advice is always free.

    Any posts I make on Legal Beagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum 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

  25. #50
    Join Date
    Nov 2014
    Posts
    14,413
    Mentioned
    1591 Post(s)

    Default Re: PRA GROUP V's BRIGO

    gov.uk/countycourt-judgment-ccj-for-debt-and-your-credit-rating
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





Page 2 of 3 FirstFirst 123 LastLast

Similar Threads

  1. PRA Group need help!!
    By Belle123 in forum Welcome Forum
    Replies: 67
    : 26th November 2016, 14:26:PM
  2. Lloyds Banking Group responds to FOS complaints update Ė Lloyds Banking Group plc
    By Legal Beagles in forum Latest News and Information
    Replies: 1
    : 3rd September 2014, 20:10:PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Contact Us



© Celame (UK) Ltd 2016
Hosted by Lodge Information Services Ltd
LegalBeaglesģ are DPA Registered No. ZA158014
LegalBeaglesģ is the trading name of CELAME (UK) LIMITED ( 09220332 )
Registered Address: 25 Moorgate, London, England, EC2R 6AY
VAT registration number 206 9740 02
User Alert System provided by Advanced User Tagging v3.1.3 (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Celame (UK) Ltd Powered by vBulletin® Version 4.2.3
Copyright © 2017 vBulletin Solutions, Inc. All rights reserved.
TOP