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PRA Letter before Claim

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  • PRA Letter before Claim

    Hi, my alleged debt of 4.5k has been passed around different dca since 2017. Now PRA has been assigned the debt, as of late last year, and now provided me with letter before claim. Ive have not made contact with them nor requested any documents from them yet. Im also prepared to pay 25%, but like i say haven't been on contact.

    Should I tick Box I to request CCA and see their response before attempting to negotiate?

    Thanks for your time.
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  • #2
    PRA are very robust at the moment with issuing LBAís, I have just received one with them only having the account for a few months. I havenít had any contact with them so was surprised that they opted for this action so quickly. I suppose it was to be expected given that the government have restricted their options at the moment what with COVID etc.
    I have sent a Cca request and will return the form filling section D and I with request for further details.

    as for your situation I donít know enough about your circumstances to comment on best thing to do?


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    Pre-Action Letters
    First Steps
    Check dates
    Acknowledge Claim
    CCA Request
    CPR 31.14 Request
    Subject Access Request Letter
    Example Defence
    Set Aside Application
    Witness Statements
    Directions Questionnaire
    Statute Barred Letter

    If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.

    NOTE: If you receive a court claim note these dates in your calendar ...
    Acknowledge Claim - within 14 days from Service

    Defend Claim - within 28 days from Service (IF you acknowledged in time)

    If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.

    We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
    If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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