Can I get CC claim stayed

[Cobbers]

over 6 years ago I took out a loan with ICL. At some point they sold that debt to PRAC. Earlier this year I received an LBA for £1500 from BW legal. I didn’t fully understand the gravity of the letter and didn’t respond.
I then receive court forms submitted by BW legal. I filed a defence advising a complaint was logged with the original creditors ICL. I asked if the claim could be put on hold until ICL had reviewed my complaint. I think I have a good case against ICL. BW intend to proceed and have submitted their directions questionnaire.
Any help on how I might be able to get the court proceedings stayed?

[jaguarsuk]

over 6 years ago I took out a loan with ICL. At some point they sold that debt to PRAC. Earlier this year I received an LBA for £1500 from BW legal. I didn’t fully understand the gravity of the letter and didn’t respond.
I then receive court forms submitted by BW legal. I filed a defence advising a complaint was logged with the original creditors ICL. I asked if the claim could be put on hold until ICL had reviewed my complaint. I think I have a good case against ICL. BW intend to proceed and have submitted their directions questionnaire.
Any help on how I might be able to get the court proceedings stayed?

Having lodged a complaint with the original creditor is not a defence to a claim, was that the only thing you said in your defence? If the claim becomes stayed at any stage the claimant will simply apply for the stay to be lifted and summary judgement to be entered.

You need to submit a CCA Request to Prac and also a Subject Access Request Letter to them asking for copies of all information they hold on you including any default notices and notices of assignment.

Once in receipt of these documents if you did only put the complaint being lodged as your defence you will need to draft an Amended Defence and apply to the court to amend your defence at your cost.