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I have received a claim form, Claimant being PRA group. Im not quite sure which direction to take and am hoping someone can advise me what is best. According to the particulars of the claim, It was an MBNA credit card from back in 1998, defaulted in October 2009 with a balance of £6800.00 odd. Assigned to Aktiv Kapital Feb 2012 then on to PRA Group 31 December 2014. Notices were supposedly sent to me, and payments of 180.00 received up to August 2013. So they're claiming £6700.00 ish . Then statutory interest pursuant to section 69 of the County Courts Act 1984 at rate of 8.00% per annum from 19/08/13 to 8/09/16 1640.82 and thereafter at daily rate of 1.47 until judgement or sooner payment.
So yes I did have this credit card, got into payment difficulties and ended up not able to pay it. I stopped paying. After a fair bit of dispute with MBNA over their irresponsible lending, throwing money at me every time I got near my limit they upped it by another 1000. I never once asked for an increase in my limit, and it got out of hand. Anyway we came to an agreement that they would freeze the interest and I would pay £10 per month for as long as it took. First payment was made October 2010, and continued until August 2013. I had nothing to do with the stopping of payments. I remember somewhere along the line receiving a letter that my account was to be managed by someone else who would honour my current payment agreement. The last payment was August 2013 with no explanation. Then this year I started being hounded morning, noon and night. Phone calls, text messages, non stop, from PRA Group, about this debt. I never acknowledged them. Its been 3 years since the payments stopped coming out of my account.
If Aktiv Kapital took my account over in Feb 2012, and Id been on a payment agreement since Oct 2010 with MBNA, why did they stop taking payments in August 2013, then pass my account on to PRA group in Dec 2014 then start hounding me for money again. I dont know what to do. Is it worth defending the claim. The dates they have given dont seem to make much sense to the payment agreement I had. Should I even have to pay this debt now, I didnt stop the payments. I stuck to the agreement I made, and they just stopped collecting. I would really appreciate some advice here on what course of action I should take with the claim form. Thanks.
So yes I did have this credit card, got into payment difficulties and ended up not able to pay it. I stopped paying. After a fair bit of dispute with MBNA over their irresponsible lending, throwing money at me every time I got near my limit they upped it by another 1000. I never once asked for an increase in my limit, and it got out of hand. Anyway we came to an agreement that they would freeze the interest and I would pay £10 per month for as long as it took. First payment was made October 2010, and continued until August 2013. I had nothing to do with the stopping of payments. I remember somewhere along the line receiving a letter that my account was to be managed by someone else who would honour my current payment agreement. The last payment was August 2013 with no explanation. Then this year I started being hounded morning, noon and night. Phone calls, text messages, non stop, from PRA Group, about this debt. I never acknowledged them. Its been 3 years since the payments stopped coming out of my account.
If Aktiv Kapital took my account over in Feb 2012, and Id been on a payment agreement since Oct 2010 with MBNA, why did they stop taking payments in August 2013, then pass my account on to PRA group in Dec 2014 then start hounding me for money again. I dont know what to do. Is it worth defending the claim. The dates they have given dont seem to make much sense to the payment agreement I had. Should I even have to pay this debt now, I didnt stop the payments. I stuck to the agreement I made, and they just stopped collecting. I would really appreciate some advice here on what course of action I should take with the claim form. Thanks.
Oh and can PRA request the same from MBNA as me with an SAR ?
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