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@nemesis45
hi nem
thanks for advice to start new thread to avoid confusion.
ok then here goes with the details for this claimReceived a claim? Yes
Issue Date: 21 Mar 2016
Amount approx: £5000approx
Claimant: PRA Group (uk) Ltd
Solicitor: None
Original Creditor: MBNA
Particulars of Claim: claim form attatched
Is the debt Statute Barred? No
List any letters you have sent: Aos submitted on 29 Mar 2016
The background to this claim is as follows.
I did have a mbna credit card a long time ago (an agreement start in 2006 is very likely to be correct) but as explained in another thread relating to a seperate issue I had a really tough time a few years back and although I am for the most part on top of and back on track with my finances I am still trying to deal with any remaining problems, that I have either overlooked, forgotten about or didnt know existed,
The default date (30/7/2011) stated on the poc would seem to fit into the timeframe of my financial problems starting (although I dont have any of the old paperwork relating to my old mbna account so cant confirm the exact date of last payment/correspondance to mbna but am almost sure it was early/mid 2011 )
I have checked my file on noddle though and PRA group are on there and it looks like they have been reporting this account since oct 2012(which is a few months after the date its claimed aktiv Kapital was assigned the debt) PRA claims the debt was assigned to them on 31/12/14
I did not receive any notice of either assignment which they say were sent to me!)
In Jan 2013 I received a letter from Aktiv capital, it wasnt an assignment notice or anything even similar, it was just a letter asking for payment infull or stating i could use a discount voucher they had attatched to settle the debt for a reduced amount!!
I had no idea who the company were or what the alledged debt was in relation to and there was no information in the letter(eg original creditor/any account numbers ect) so in feb 2013 I sent a cca request letter and said I did not acknowledge any debt to them.
They responded saying they were putting collection process on hold until they could supply documents needed to comply with my request (i have attatched a copy of that letter to this post) after that I heard nothing more about this debt until this claim arrived,!
Although over past few months I have been bombarded with calls and texts from PRA asking me to contact them about my account but as I didn't call them back as I didnt have any knowledge of having an "account" with them and assumed if it was legitimate I would be getting something in writing from them anyway(which I didn't)!
aktiv Kapitals letter in response to the cca request sent in 2013 said that the agreement was with "varde experto" but in the poc it states the agreement was with "mbna" am i right in guessing they are one in the same????
.................................................. .................................................. .
i have acknowledge the claim online but I'm a bit unsure about what to do in regards to a cpr letter as they dont appear to have a solicitors acting for them as the name and address in both boxes are the same, so I'm assuming they have some sort of internal team dealing with it, so am wondering if i send a cpr request to the claimant or does it only apply to claims where a solicitor is acting on the claimants behalf?
I have a cca letter drafted ready to go though but just wanted to ask whether i should/need to send it or is the fact i sent one to aktiv Kapital, which is still outstanding due to their non-compliance, enough?
my sincere thanks to you again for all your help.
hi nem
thanks for advice to start new thread to avoid confusion.
ok then here goes with the details for this claimReceived a claim? Yes
Issue Date: 21 Mar 2016
Amount approx: £5000approx
Claimant: PRA Group (uk) Ltd
Solicitor: None
Original Creditor: MBNA
Particulars of Claim: claim form attatched
Is the debt Statute Barred? No
List any letters you have sent: Aos submitted on 29 Mar 2016
The background to this claim is as follows.
I did have a mbna credit card a long time ago (an agreement start in 2006 is very likely to be correct) but as explained in another thread relating to a seperate issue I had a really tough time a few years back and although I am for the most part on top of and back on track with my finances I am still trying to deal with any remaining problems, that I have either overlooked, forgotten about or didnt know existed,
The default date (30/7/2011) stated on the poc would seem to fit into the timeframe of my financial problems starting (although I dont have any of the old paperwork relating to my old mbna account so cant confirm the exact date of last payment/correspondance to mbna but am almost sure it was early/mid 2011 )
I have checked my file on noddle though and PRA group are on there and it looks like they have been reporting this account since oct 2012(which is a few months after the date its claimed aktiv Kapital was assigned the debt) PRA claims the debt was assigned to them on 31/12/14
I did not receive any notice of either assignment which they say were sent to me!)
In Jan 2013 I received a letter from Aktiv capital, it wasnt an assignment notice or anything even similar, it was just a letter asking for payment infull or stating i could use a discount voucher they had attatched to settle the debt for a reduced amount!!
I had no idea who the company were or what the alledged debt was in relation to and there was no information in the letter(eg original creditor/any account numbers ect) so in feb 2013 I sent a cca request letter and said I did not acknowledge any debt to them.
They responded saying they were putting collection process on hold until they could supply documents needed to comply with my request (i have attatched a copy of that letter to this post) after that I heard nothing more about this debt until this claim arrived,!
Although over past few months I have been bombarded with calls and texts from PRA asking me to contact them about my account but as I didn't call them back as I didnt have any knowledge of having an "account" with them and assumed if it was legitimate I would be getting something in writing from them anyway(which I didn't)!
aktiv Kapitals letter in response to the cca request sent in 2013 said that the agreement was with "varde experto" but in the poc it states the agreement was with "mbna" am i right in guessing they are one in the same????
.................................................. .................................................. .
i have acknowledge the claim online but I'm a bit unsure about what to do in regards to a cpr letter as they dont appear to have a solicitors acting for them as the name and address in both boxes are the same, so I'm assuming they have some sort of internal team dealing with it, so am wondering if i send a cpr request to the claimant or does it only apply to claims where a solicitor is acting on the claimants behalf?
I have a cca letter drafted ready to go though but just wanted to ask whether i should/need to send it or is the fact i sent one to aktiv Kapital, which is still outstanding due to their non-compliance, enough?
my sincere thanks to you again for all your help.
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