PRA Group court claim

[Wizzball]

PRA Group have started a court claim against me and I was wondering if the CCA'S are legitimate?

Trying to post images but not allowed.

[echat11]

Hi Wizzball

Welcome to LB

Fill in the following without personal details and copy / paste back to this thread.

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:

[Wizzball]

Hi Wizzball

Welcome to LB

Fill in the following without personal details and copy / paste back to this thread.

Thanks

Received a claim? Yes/No: Yes
Issue Date: 19/3/2025
Have you Acknowledged the Claim?: Not yet
Total Amount Claimed : 4400
Claimant’s Name: PRA Group UK Portfolios Ltd
Solicitors Firm: PRA Group (UK) Limited.
Original Creditor: Barclaycard
Original Debt (eg. Credit card/Loan/Overdraft) : Credit Card
Particulars of Claim: The Claimant claims the sum of £4000 for an outstanding debt owed.
On 01/01/2006 the Defendant entered into an agreement with Barclays Bank UK PLC for a a Credit Card under reference .........
On 01/06/2024 the Defendant defaulted on the agreement with an outstanding balance of £4400.
On 01/08/2024 the debt was assigned to PRA Group UK Portfolios Ltd. 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 £4400.00
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: PRA offered a 50% discount immediately after buying the debt.
I would like to know if the CCA is legitimate.

[echat11]

a) First Acknowledge Service of 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 PRA Group UK Portfolios Ltd they have 12 days to provide a copy of the agreement. Make sure you get Proof of Postage.

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

d) Send a CPR 31.14 request to the solicitors on the claim form, 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/

f) Any Other Information or Background Details: can you add more details? the circumstances that lead to the debt.

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.