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Hello all,
I’ve been on a DMP for about 9 months with my other debts but had missed this one to set up. I’m holding my hands up here and admit I owe the money. Having spoken to the claimant they have agreed a payment plan on receipt of an I&E form which I have ready to go.
My questions are:
- I understand if I admit claim in full I will get a CCJ but can I come to an agreement with the claimant as I’ve agreed monthly payments to avoid that
- in the meantime, I’ve got a week left to acknowledge the claim, do I admit claim regardless or Should I defend even though I’ve no defense - just to buy more time to set up payment plan?
apologies for ignorance here, my first time dealing with this and I am struggling.
Thank you.
Received a claim? Yes
Issue Date: 15/05/2024
Have you Acknowledged the Claim?: not yet
Total Amount Claimed : £8000
Claimant’s Name: PRA Group
Solicitors Firm: PRA group
Original Creditor: MBNA
Original Debt (eg. Credit card/Loan/Overdraft) : Credit card
Particulars of Claim:
The claimant claims the sum of £8xxx for an outstanding debt owed. On 3/3/2019 the defendant entered into an agreement with Lloyds bank plc for a credit card under ref XXXXXXXXX. On 15/10/2021 the defendant defaulted on the agreement with an outstanding balance of £8xxx. On 12/10/23 the debt was assigned to PRA group limited who itself assigned the debt to PRA group portfolios ltd on 28/11/23. Noticed of assignment were sent to the defendant in accordance with s136 law of property act. The claimant has instructed PRA group to act on its behalf in recovery of outstanding debt and to pursue litigation on its behalf and the claimant claims £8xxx.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:
I’ve been on a DMP for about 9 months with my other debts but had missed this one to set up. I’m holding my hands up here and admit I owe the money. Having spoken to the claimant they have agreed a payment plan on receipt of an I&E form which I have ready to go.
My questions are:
- I understand if I admit claim in full I will get a CCJ but can I come to an agreement with the claimant as I’ve agreed monthly payments to avoid that
- in the meantime, I’ve got a week left to acknowledge the claim, do I admit claim regardless or Should I defend even though I’ve no defense - just to buy more time to set up payment plan?
apologies for ignorance here, my first time dealing with this and I am struggling.
Thank you.
Received a claim? Yes
Issue Date: 15/05/2024
Have you Acknowledged the Claim?: not yet
Total Amount Claimed : £8000
Claimant’s Name: PRA Group
Solicitors Firm: PRA group
Original Creditor: MBNA
Original Debt (eg. Credit card/Loan/Overdraft) : Credit card
Particulars of Claim:
The claimant claims the sum of £8xxx for an outstanding debt owed. On 3/3/2019 the defendant entered into an agreement with Lloyds bank plc for a credit card under ref XXXXXXXXX. On 15/10/2021 the defendant defaulted on the agreement with an outstanding balance of £8xxx. On 12/10/23 the debt was assigned to PRA group limited who itself assigned the debt to PRA group portfolios ltd on 28/11/23. Noticed of assignment were sent to the defendant in accordance with s136 law of property act. The claimant has instructed PRA group to act on its behalf in recovery of outstanding debt and to pursue litigation on its behalf and the claimant claims £8xxx.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:
