Received a claim? Yes
Issue Date: 22 December 2016
Amount approx: £12165.03
Claimant: PRA Group
Solicitor: Surjit Gida
Original Creditor: MBNA
Particulars of Claim: The Claimant claims the sum of 11545.48 for debt and interest. On 19/11/98 the defendant entered into an agreement with MBNA for a Credit Card under reference xxxxxxxx. On 29/12/12 the defendant defaulted on the agreement with an outstanding balance of 9479.77. On 23/4/12 the debt of 9479.77 assigned to Aktiv Kapital Portfolio AS, Oslo,Zug Branch, who itself assigned the debt to PRA Group (UK)Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. Payments of 559.77 received up to 17/4/13 AND THE CLAIMANT CLAIMS 1. The sum of 8920.00 2.Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from 17/4/13 to 21/12/16 2625.48 and thereafter at a daily rate of 1.95 until judgment or sooner payment.
Is the debt Statute Barred? No
List any letters you have sent:On the 16th April 2013 a CCA request was sent to Aktiv Kapital.
23 April 2013 reply received advising account "on hold" whilst they tried to locate documents
05 June 2013 - Documents including a photocopy of an application form, a few copies of statements from 2012 and a photocopy of the Financial & Related Terms were received but no terms and conditions
12 June 2013 - I responded advising as per my CCA request the documents received did not appear to comply and were missing prescribed terms and conditions etc and re requested documents
27 June 2013- Aktiv Kapital replied advising they were trying to locate the documents
21 July 2013 - AK once again forwarded copies of previous documentation sent , I replied the same day advising they had not complied with my request as per CCA request.
24 April 2014 - Letter received from AK asking if I still lived at my address and to get in touch or advise them when I had moved. I did not reply to this letter.
24 July 2014 - AK once more forwarded all previous documentation
08 December 2014 - March 2015 began receiving various letters from PRA Group and constant phone calls to home and work numbers began in earnest.1
11 MArch 2015 - PRA wrote advising account being dealt with by Litigations Department.
27 March 2015 - PRA advised account would be passed to Judge & Priestley
31 March 2015 - I responded by forwarding copies of all of the above correspondence including my CCA request that had not been complied with.
16 April 2015 - PRA advised once more account with litigation department ( no mention of Judge & Priestley this time).
28 April 2015 - I responded advising once more that I had been requesting documentation as per CCA request since 2013 which had not been provided. Also requested all calls to cease as now deemed as harrasment. no response from PRA
14 May 2015 - PRA sent letter threatening either Legal Action or a Home Visit
22 May 2015 - I responded to the above referring them back to all previous correspondance including their constant calls as harrasemnt and they being unable to locate documentation as requested as per CCA request. No response from PRA
01 August 2016 - Settlement offer received.
18 November 2016 - Another letter advising account with Litigations giving 14 days to get in touch, yet all previous correspondance from me to them was being ignored.
02 December 2016 - Letter re Pre Action Protocol 9 not received until the 10th ) requesting I acknowledge by 18 December 2016 or they woudl commence Court Action
10 December - Another CCA request sent in response special delivery received by PRA on the 11th December ( therefore prior to their 18 December deadline )
16 December 2016 - PRA responded once more sending the same information they had been sending since 2013 and giving me 10 days to respond.
22 December 2016 - Court CLaim received despite me responding by 18th December as requested.
23 December - I advised CCA request was incomplete.
29 December 2016 - lodged intention to defend claim and sent CPR request to Surjit Gida
Any Other Info:
- - - Updated - - -
Apologies for the huge amount of info above, thought it best I advise of everything to date.
I will upload copies of all paperwork received in response to my CCA request shortly.
In my CPR request I request the Agreement and copies of both assignments as mentioned in the Particulars of Claim
Thankyou for taking the time to look over this. I am hoping I am on the right track so far.
Issue Date: 22 December 2016
Amount approx: £12165.03
Claimant: PRA Group
Solicitor: Surjit Gida
Original Creditor: MBNA
Particulars of Claim: The Claimant claims the sum of 11545.48 for debt and interest. On 19/11/98 the defendant entered into an agreement with MBNA for a Credit Card under reference xxxxxxxx. On 29/12/12 the defendant defaulted on the agreement with an outstanding balance of 9479.77. On 23/4/12 the debt of 9479.77 assigned to Aktiv Kapital Portfolio AS, Oslo,Zug Branch, who itself assigned the debt to PRA Group (UK)Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. Payments of 559.77 received up to 17/4/13 AND THE CLAIMANT CLAIMS 1. The sum of 8920.00 2.Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from 17/4/13 to 21/12/16 2625.48 and thereafter at a daily rate of 1.95 until judgment or sooner payment.
Is the debt Statute Barred? No
List any letters you have sent:On the 16th April 2013 a CCA request was sent to Aktiv Kapital.
23 April 2013 reply received advising account "on hold" whilst they tried to locate documents
05 June 2013 - Documents including a photocopy of an application form, a few copies of statements from 2012 and a photocopy of the Financial & Related Terms were received but no terms and conditions
12 June 2013 - I responded advising as per my CCA request the documents received did not appear to comply and were missing prescribed terms and conditions etc and re requested documents
27 June 2013- Aktiv Kapital replied advising they were trying to locate the documents
21 July 2013 - AK once again forwarded copies of previous documentation sent , I replied the same day advising they had not complied with my request as per CCA request.
24 April 2014 - Letter received from AK asking if I still lived at my address and to get in touch or advise them when I had moved. I did not reply to this letter.
24 July 2014 - AK once more forwarded all previous documentation
08 December 2014 - March 2015 began receiving various letters from PRA Group and constant phone calls to home and work numbers began in earnest.1
11 MArch 2015 - PRA wrote advising account being dealt with by Litigations Department.
27 March 2015 - PRA advised account would be passed to Judge & Priestley
31 March 2015 - I responded by forwarding copies of all of the above correspondence including my CCA request that had not been complied with.
16 April 2015 - PRA advised once more account with litigation department ( no mention of Judge & Priestley this time).
28 April 2015 - I responded advising once more that I had been requesting documentation as per CCA request since 2013 which had not been provided. Also requested all calls to cease as now deemed as harrasment. no response from PRA
14 May 2015 - PRA sent letter threatening either Legal Action or a Home Visit
22 May 2015 - I responded to the above referring them back to all previous correspondance including their constant calls as harrasemnt and they being unable to locate documentation as requested as per CCA request. No response from PRA
01 August 2016 - Settlement offer received.
18 November 2016 - Another letter advising account with Litigations giving 14 days to get in touch, yet all previous correspondance from me to them was being ignored.
02 December 2016 - Letter re Pre Action Protocol 9 not received until the 10th ) requesting I acknowledge by 18 December 2016 or they woudl commence Court Action
10 December - Another CCA request sent in response special delivery received by PRA on the 11th December ( therefore prior to their 18 December deadline )
16 December 2016 - PRA responded once more sending the same information they had been sending since 2013 and giving me 10 days to respond.
22 December 2016 - Court CLaim received despite me responding by 18th December as requested.
23 December - I advised CCA request was incomplete.
29 December 2016 - lodged intention to defend claim and sent CPR request to Surjit Gida
Any Other Info:
- - - Updated - - -
Apologies for the huge amount of info above, thought it best I advise of everything to date.
I will upload copies of all paperwork received in response to my CCA request shortly.
In my CPR request I request the Agreement and copies of both assignments as mentioned in the Particulars of Claim
Thankyou for taking the time to look over this. I am hoping I am on the right track so far.
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