Hi. I have been reading through a lot of the threads regarding PRA Group. And although they are very helpful, I can't seem to find the answer i am looking for. Hoping someone can help me...
I received a Claim form from CCBC, dated 3/4/19. I have acknowledged the claim online, and ticked the box 'intend to defend'. I have printed out all of the letters ready to send (From the templates on here), requesting more information regarding the debt.
My issue is, I did not receive a 'Letter before Claim', or not one that i can remember? I open all letters from PRA , and they are the usual 'Please get in touch' and a lower settlement fee. But nothing has ever given me 30 days to respond. This is where i am a bit confused (or more confused) - What can i do about this? Do they HAVE to send a letter before claim? What if they haven't?
The claim is regarding a CC Debt from Barclaycard, taken out in 2012. The total amount they are claiming is £4214.30 (that is with their added fees).
I received a Claim form from CCBC, dated 3/4/19. I have acknowledged the claim online, and ticked the box 'intend to defend'. I have printed out all of the letters ready to send (From the templates on here), requesting more information regarding the debt.
My issue is, I did not receive a 'Letter before Claim', or not one that i can remember? I open all letters from PRA , and they are the usual 'Please get in touch' and a lower settlement fee. But nothing has ever given me 30 days to respond. This is where i am a bit confused (or more confused) - What can i do about this? Do they HAVE to send a letter before claim? What if they haven't?
The claim is regarding a CC Debt from Barclaycard, taken out in 2012. The total amount they are claiming is £4214.30 (that is with their added fees).
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