Claim Form from PRA group, sent AoS in, now what?

[SpoonBox]

I've been going through the motions with PRA, sending in SAR, CCA etc. Its got to a point now where they have actually taken this matter to the Country Court. I've sent a CPR 31:14 request off to PRA. But I now only have a few days to either dispute the whole claim, part claim, or make full admission.

The claim is for £2500 from a Lloyds OD.
The account was opened in 2012
I seem to have all the required paperwork from Lloyds and PRA, so cant get the case dismissed on those grounds
Looking at the statements I've calculated £1000 of charges and interest. I would ideally like to get the court to reduce the overall debt by that amount. Is this something they can do? Will this result in a CCJ?

One other thing, its a joint account for my wife and i, and the claim is solely in her name. Can it be dismissed on these grounds?

[SpoonBox]

Anyone? The end date to submit defence is a week away

[GBExile]

Did lloyds continue to rack up charges on the account to more than £12 fee plus interest?

If so you might have an claim on unreasonable fees.

[SpoonBox]

Charges were always £6.
Will it just be a case of putting my tail between my legs on this one and paying up?

I still do not know why this has totally gone in my wifes name, and not in both of ours. Is that usual for a joint overdraft debt to go in one persons name?

[GBExile]

Charges were always £6.
Will it just be a case of putting my tail between my legs on this one and paying up?

I still do not know why this has totally gone in my wifes name, and not in both of ours. Is that usual for a joint overdraft debt to go in one persons name?

£6 per what?

If they charged you more than £12 per month plus interest then you might be able to do something.