**WON!!** County court letter - PRA/MBNA

[nemesis45]

Re: County court letter - PRA/MBNA

[QUOTE=Dh99may;671313]Thanks so much!
Yes, I've only asked for relevant documents. Is there a specific way to ask, I was going to acknowledge that they has sent me just 2 pages of the MBNA application form, and that I await receipt of the default notice from the original creditor, will it be ok to just say, add that the CPR remains relevant until the claim is allocated to the small claims track? ##

Ok Two pages of an app form, signed /dated? Did they claim this was a copy of the agreement? Or a reconstituted copy?

nem

[Dh99may]

Re: County court letter - PRA/MBNA

it is a MBNA card application form ( I posted a thumbnail a bit further back in the thread) it does have some T's and C's on the left hand side , but just one page .

[nemesis45]

Re: County court letter - PRA/MBNA

it is a MBNA card application form ( I posted a thumbnail a bit further back in the thread) it does have some T's and C's on the left hand side , but just one page .

Not complaint,. I suspect somewhere in that application for it refers you to some other T's & C's or there are items mentioned that do not appear on
the app form.
I'm a bit pushed for time this evening but will go back and check tomorrow.

nem

[Dh99may]

Re: County court letter - PRA/MBNA

Yes it's signed and dated . the letter from PRA refer to it as ' the credit agreement entered into by you with the original creditor '

[Dh99may]

Re: County court letter - PRA/MBNA

I will add the photo again for you to look at when you have time .
And thank you for your help

[charitynjw]

Re: County court letter - PRA/MBNA

Ooops, posted on wrong thread..........sorry, Dh99may!

[Dh99may]

Re: County court letter - PRA/MBNA

Here is all correspondence received in respect of my CPR request , as per the cover letter from PRA , the default letter from MBNA (original creditor) is still outstanding and PRA have advised they will send on. I will add the letter from PRA in additional post as I am not able to add on this .

[Dh99may]

Re: County court letter - PRA/MBNA



Hope the documents help
Thanks

[Dh99may]

Re: County court letter - PRA/MBNA

Ive come home today to find a letter from Northampton county cour, saying 'Judgement for Claimant ' (in default).
Im assuming that due to delays with the above info being sent by PRA , that I am now to pay back the money, even though I still havent received all the info I requested .
If someone can please let me know what I can do , ill be really grateful. I think its now too late, and I am totally lost

[MIKE770]

Re: County court letter - PRA/MBNA

[MENTION=1937]nemisis[/MENTION]45

[Diana M]

Re: County court letter - PRA/MBNA

Ive come home today to find a letter from Northampton county cour, saying 'Judgement for Claimant ' (in default).
Im assuming that due to delays with the above info being sent by PRA , that I am now to pay back the money, even though I still havent received all the info I requested .

Is that because you failed to file your Defence by the court deadline?

I can't see any posts where you say the Claimant agreed to an extension of time. Did they?

If the Claimant hadn't complied with your CCA request then that would form part of your Defence. If the Claimant hadn't produced the douments which you requested under CPR 31.14 then the absence of those documents may have been part of your Defence.

Di

[Dh99may]

Re: County court letter - PRA/MBNA

Hello Di
Thanks for replying .
Stupidly, I assumed I had to wait for PRA to respond to my CPR request before I submitted my defence, as until I knew what documents they had, I didn't think I could put a defence forward.
As you can see from the documents in my thread, they only responded 20 August, with the default notice from MBNA still outstanding. It's as if they knew I was totally naive in trying to defend myself.
Thanks again, I guess I've blown it.

[Diana M]

Re: County court letter - PRA/MBNA

It's as if they knew I was totally naive in trying to defend myself.
Thanks again, I guess I've blown it.

How much is/was the claim ?

Di

[Joanna C]

Re: County court letter - PRA/MBNA

You would appear from the documentation on the thread I would say that you seem to have had a real prospect of successfully defending the claim.

You may wish to consider making an application to set aside Default Judgment under CPR 13.3. If you decide to make the application the sooner it is made the better - certainly within 14 days in these circumstances.

[Dh99may]

Re: County court letter - PRA/MBNA

Approx £6500 inc interest and court fees .