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Hi everyone. Ive been a member and visitor of your very informative site for a few years and thankfully haven't needed direct help until now. It would be of great help if someone could give me a bit of assistance please.
PRA Group have issued a claim against me for an alleged MBNA credit card debt. The claim states that the debt was assigned to Aktiv Kapital in Aug 2013 and then on to PRA in Dec 2014.
I read the following thread about a similar issue
http://legalbeagles.info/forums/show...ty-Court-Claim
and followed the advice, and have since filed an acknowledgement and also written to PRA Group using the CPR 31.14 template letter. I said in the letter dated 5 April that I would like a response within 7 days in order to file my defence on 12 April. PRA wrote back by return stating;
"We have requested the documentation from the original vendor and will forward this to you as soon as it becomes available. In the meantime we will wait to receive your defence by 25 April" (?)
The thread that i read suggested I should file a defence and an N244 "unless order" but my case seems slightly different in that PRA haven't challenged my request for proof, they have admitted that they don't actually have it.
I have never received an assignment notice either from Aktiv or PRA and noticed a post in the thread that mentioned that the assignment notice should be sent by registered post, quoting Holwell v Hughes 1974. Does this also apply in my case too?
I am recently unemployed due to a ill health, leading to failure of my business and am really worried about the implications and costs of this claim. I really would appreciate any assistance anyone could give.
thanks and regards
ADD
PRA Group have issued a claim against me for an alleged MBNA credit card debt. The claim states that the debt was assigned to Aktiv Kapital in Aug 2013 and then on to PRA in Dec 2014.
I read the following thread about a similar issue
http://legalbeagles.info/forums/show...ty-Court-Claim
and followed the advice, and have since filed an acknowledgement and also written to PRA Group using the CPR 31.14 template letter. I said in the letter dated 5 April that I would like a response within 7 days in order to file my defence on 12 April. PRA wrote back by return stating;
"We have requested the documentation from the original vendor and will forward this to you as soon as it becomes available. In the meantime we will wait to receive your defence by 25 April" (?)
The thread that i read suggested I should file a defence and an N244 "unless order" but my case seems slightly different in that PRA haven't challenged my request for proof, they have admitted that they don't actually have it.
I have never received an assignment notice either from Aktiv or PRA and noticed a post in the thread that mentioned that the assignment notice should be sent by registered post, quoting Holwell v Hughes 1974. Does this also apply in my case too?
I am recently unemployed due to a ill health, leading to failure of my business and am really worried about the implications and costs of this claim. I really would appreciate any assistance anyone could give.
thanks and regards
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