Court claim received 24th May PRA - Barclaycard

[Demo8]

I have now received a CCJ letter from Northampton in the mail on the 24th May.

The creditor is Barclaycard
Balance £9510.51
Defaulted 27/10/2023

I did request CCA with a sum in February 2024 and shortly after received correspondence on 06/03/2024 that they have requested info from Barclaycard, account has been put on hold and they returned my cheque as they do not charge for this.

On 21/03/2024 they responded with copy agreement documentation with the word ’BASE’ on the top right of each page for the account and also stated in the cover letter that ‘we have currently deemed this debt as unenforceable which means we are not able to take court action or further action against you to recover the outstanding debt’

On 28/03/2024 received another set of agreement documents with transaction statements from Dec 2022 (missing Feb 2023) to Nov 2023.

What else I noticed was the interest rates for standard and cash are different between the two issued agreements even though they are both titled to myself.

I have not yet sent a CPR 31.14 / CPR18 request.

What should be my next approach to this as I have never experienced this before?

Your advice/guidance is greatly appreciated

[echat11]

Hi Demo8

Welcome to LB

Fill in the following, copy / paste back to this thread without personal details -

Received a claim? Yes/No:
Issue Date:
Have you Acknowledged the Claim?:
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name:
Solicitors Firm:
Original Creditor:
Original Debt (eg. Credit card/Loan/Overdraft) :
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:
When was the account opened?


a) First Acknowledge the Claim, you can do this online via MCOL, this will give you 28 days (plus 5 days postal) in total to work on your defence.

https://legalbeagles.info/library/gu...ledge-a-claim/

b) Send a SAR request to Barclaycard, they have 30 days to provide all the data they hold on the account. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/

c) Send a CCA request to the Claimant, they have 12 days to provide a copy of the original agreement. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...etter-example/

d) Send a CPR 31.14 request to their solicitors, they have 7 days to provide all the documents they are relying on to make the claim against you, again get Proof of Postage.

https://legalbeagles.info/library/gu...-of-documents/

e) This is an example Defence, start looking at it, don't fill or file it with the Court or their solicitors yet.

https://legalbeagles.info/library/gu...-court-claims/

Don't speak to creditors, solicitors etc over the phone, everything in writing. Keep on top of this, especially dates for filing defence etc. Workout when your Defence is due, 28 days from the date on the claim form. If you can post on the thread 5 days before it's due we can help with your Defence.

[Demo8]

Received a claim? Yes/No: Yes
Issue Date: 22 May 2024
Have you Acknowledged the Claim?: No
Total Amount Claimed : £9600
Claimant’s Name: PRA
Solicitors Firm: ?
Original Creditor: Barclaycard
Original Debt (eg. Credit card/Loan/Overdraft) : CC
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
The Claimant claims the sum of £**** for an outstanding debt owed. On 02/08/2015 the Defendant entered into an agreement with Barclays Bank UK PLC for a a Credit Card under reference ****. On 27/10/2023 the Defendant defaulted on the agreement with an outstanding balance of £****. On 14/11/2023 the debt of £**** was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/2023. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf.
AND THE CLAIMANT CLAIMS 1. The sum of £****
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 ): CCA
Any Other Information or Background Details:
When was the account opened? 08/2015

[echat11]

Received a claim? Yes/No: Yes
Issue Date: 22 May 2024
Have you Acknowledged the Claim?: No You can do this online via MCOL, deny all.
Total Amount Claimed : £9600
Claimant’s Name: PRA
Solicitors Firm: ? that will be on the Court form
Original Creditor: Barclaycard
Original Debt (eg. Credit card/Loan/Overdraft) : CC
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
The Claimant claims the sum of £**** for an outstanding debt owed. On 02/08/2015 the Defendant entered into an agreement with Barclays Bank UK PLC for a a Credit Card under reference ****. On 27/10/2023 the Defendant defaulted on the agreement with an outstanding balance of £****. On 14/11/2023 the debt of £**** was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/2023. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf.
AND THE CLAIMANT CLAIMS 1. The sum of £****
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 ): CCA
Any Other Information or Background Details: personal circumstances, lost your job etc.
When was the account opened? 08/2015

[Demo8]

Received a claim? Yes/No: Yes
Issue Date: 22 May 2024
Have you Acknowledged the Claim?: No
Total Amount Claimed : £9600
Claimant’s Name: PRA GROUP U.K. PORTFOLIOS LTD
Solicitors Firm: PRA GROUP U.K. LTD
Original Creditor: Barclaycard
Original Debt (eg. Credit card/Loan/Overdraft) : CC
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
The Claimant claims the sum of £**** for an outstanding debt owed. On 02/08/2015 the Defendant entered into an agreement with Barclays Bank UK PLC for a a Credit Card under reference ****. On 27/10/2023 the Defendant defaulted on the agreement with an outstanding balance of £****. On 14/11/2023 the debt of £**** was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/2023. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf.
AND THE CLAIMANT CLAIMS 1. The sum of £****
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 ): CCA
Any Other Information or Background Details: Rise of living costs and unable to pay monthly minimum payments. Also have another CC with MBNA which has defaulted in the same month as this one with a sum of £10k but not heard anything from this yet since defaulted.
When was the account opened? 08/2015

[Demo8]

I could not find a specific solicitor details on the form other than PRA.

I have now enrolled / registered for MCOL. I have the claim number on the court claim form but no Defence Pack Password.

The letters I received are,
N1SDT Claim form
N9SDT Response pack
N9A Form admission
N9B Defence and counterclaim

[echat11]

I could not find a specific solicitor details on the form other than PRA.

I have now enrolled / registered for MCOL. I have the claim number on the court claim form but no Defence Pack Password.

The letters I received are,
N1SDT Claim form
N9SDT Response pack
N9A Form admission
N9B Defence and counterclaim

Check the ink below -

https://legalbeagles.info/library/gu...ledge-a-claim/

[Demo8]

AOS has now been completed online following the instruction, thanks for the link.

[echat11]

AOS has now been completed online following the instruction, thanks for the link.

Now do b), c), and d). and make sure you get Proof of Postage.

[Demo8]

Is the address below correct for SAR?

DSAR (Barclaycard)
51 Saffron Rd
Leicester
LE18 4US

[echat11]

Is the address below correct for SAR?

DSAR (Barclaycard)
51 Saffron Rd
Leicester
LE18 4US

Yes, that's the one.

[Demo8]

For the 31.14 doc where I am requesting docs for inspection my particulars were,

The Claimant claims the sum of £**** for an outstanding debt owed. On 02/08/2015 the Defendant entered into an agreement with Barclays Bank UK PLC for a a Credit Card under reference ****. On 27/10/2023 the Defendant defaulted on the agreement with an outstanding balance of £****. On 14/11/2023 the debt of £**** was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on 30/12/2023. Notices of assignment were sent to the Defendant in accordance with S136 Law of Property Act 1925. The Claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf.
AND THE CLAIMANT CLAIMS 1. The sum of £****

Is it correct to request the following,

1. Agreement
2. Notice of assignment

Is there anything else I have missed?

[echat11]

1. Agreement
2. Default Notice
2. Notice of Assignment

[Demo8]

On the lead times do I count just working days or is it 7 consecutive days from date?

Thank for your prompt responses!

[Demo8]

I see you recommended,

2. Default Notice

On the template it states if the particular does not specify this which cannot be asked for under CPR 31.14?