PLEASE advise. PRA group vs Penny

[nemesis45]

Re: PLEASE advise. PRA group vs Penny

[QUOTE=Penny03;667232]@nemesis45 may I ask a question.

Back in 2013, I spoke with Barclays as I had trouble paying the high repayment charges. They placed my account & interest on hold, and I started paying £5 per month. Would this be classified as a new agreement with Barclays, or would PRA still be required to supply the original egg and Barclay card aggrements to win a case?


Good morning,

This would be an " arrangement to pay " Barclays would mark credit files " AP" rather than defaulting a delinquent.

For a CCA request both the original Egg and the Barclaycard agreement should be provided, it's rare these days to see the Egg agreements supplied and this results in " reconstituted " agreement being supplied for the Egg account, those I have seen have not been compliant.

nem

[Penny03]

Re: PLEASE advise. PRA group vs Penny

[QUOTE=nemesis45;667321][QUOTE=Penny03;667232]@[U][URL="http://legalbeagles.info/forums/member.php?u
Good morning,

This would be an " arrangement to pay " Barclays would mark credit files " AP" rather than defaulting a delinquent.

For a CCA request both the original Egg and the Barclaycard agreement should be provided, it's rare these days to see the Egg agreements supplied and this results in " reconstituted " agreement being supplied for the Egg account, those I have seen have not been compliant.

nem[/QUOTE]


Hi Nem

How do you suggest I respond to this N180? (If required,See images below)

Do I agreed to mediation, do I refuse?

Do I agreed to the small track court being the appropriate track for this case?

Any help with this would be much appreciated. I have to have this back to the court by the 11 August and also supply copies to PRA.

Thank you

[Penny03]

Re: PLEASE advise. PRA group vs Penny

N180 .

[nemesis45]

Re: PLEASE advise. PRA group vs Penny

N180 .

Good morning,

You Must answer the questions and send a copy to the claimants solicitor and the court.

You say: Yes to Small Claims Track.
Yes to Mediation.
No to contest jurisdiction.
Yes to your nearest County Court.

nem

[Penny03]

Re: PLEASE advise. PRA group vs Penny

Hi [MENTION=55034]nemesis45[/MENTION]
I hope you're getting out and enjoying some of this fine weather we are having.

I'll fill out the N180 as you suggested above.

Could you please talk me though what happens next?

How I should respond if contacted by mediation, what I should ask for/request PRA supply, and how should I deal with this if it goes to court.

Thank you

[Penny03]

PRA Group

Good morning

I wondering if you have any knowledge of how to deal with PRA GROUP in regards to their claim against me.

http://legalbeagles.info/forums/show...t=PRA+vs+penny

After spender many hours reading posts on the forums.
I've noticed others have received judgements in favour of PRA group, irrespective of PRA group providing CCA documents or conforming to CPR rules/duties.

Any help or experience with proceedings would be greatly appreciated.

Thank you

Penny

P.s thank you to Nem & R0b for the help they've given me so far.

[charitynjw]

Re: PRA Group

Hi Penny03

It would be best to keep it all on one thread.

I'll ask [MENTION=49370]Kati[/MENTION] (nicely) if she could marry the 2 together.

[Penny03]

Re: PLEASE advise. PRA group vs Penny

Thank you [MENTION=5553]charitynjw[/MENTION]

[charitynjw]

Re: PLEASE advise. PRA group vs Penny

& thanks [MENTION=49370]Kati[/MENTION].
[MENTION=89127]Penny03[/MENTION].......Can you please answer/confirm the following
You have sent a CCA request (+ £1) but PRA have not complied (yet)
You have not sent the 3-letter 'tactic'.
You have completed/returned the N180 as nem suggested.
Have you heard from mediation; if so what happened?

As nem has previously stated, your submitted defence is a wee bit sparse......have you amended it?

[Penny03]

Re: PLEASE advise. PRA group vs Penny

Yes a CCA request (+ £1) has been sent and a CPR notice.
PRA have not complied, they have only sent a double sided single page of an alleged statement.

"3-letter 'tactic'." I'm not sure I've only sent the CCA & CPR

N180 Will be sent tomorrow
Record to meet the 11th Aug deadline. Do I need to put down a phone number or can this all be done via my address and letter writing, which I'd prefer.

No mediation yet; but any recommendations here would be helpful.

My defence has not been is a amended yet.

Should I do so now, what the best strategy here?

[charitynjw]

Re: PLEASE advise. PRA group vs Penny

Yes a CCA request (+ £1) has been sent and a CPR notice.
PRA have not complied, they have only sent a double sided single page of an alleged statement.
OK

"3-letter 'tactic'." I'm not sure I've only sent the CCA & CPR
Per your post #15.............a FMOTL tactic.

N180 Will be sent tomorrow
Record to meet the 11th Aug deadline. Do I need to put down a phone number or can this all be done via my address and letter writing, which I'd prefer.
Mediation normally contact you before the actual mediation 'meeting' to make sure that you have been given all documentation by the claimant.
Clearly as things stand you have not received anything from them, so mediation usually can't progress & the matter is referred back to court.

No mediation yet; but any recommendations here would be helpful.
See above.

My defence has not been is a amended yet.

Should I do so now, what the best strategy here?
If it were me, I would wait for mediation; if you still have not received documentation from the claimant & it goes back to court, you can possibly use this as a reason for amending the defence.

####

[charitynjw]

Re: PLEASE advise. PRA group vs Penny

This is a template 'no documents' defence - http://legalbeagles.info/forums/show...t-Court-Claims

You could personalise it & use it as an amended one.
If you wish, you could post it up here (personal details etc removed) to make sure it's ok.
Just highlight the fact that it will be an amended defence.

[Penny03]

Re: PLEASE advise. PRA group vs Penny

Re post #15
After Nem's information.
No, other letters were sent to PRA. They have only received a CCA and CPR from me.

[MENTION=5553]charitynjw[/MENTION] i'm just digesting the rest of what you've written and thank you for the help and swift response.

[Penny03]

Re: PLEASE advise. PRA group vs Penny

I've read on some of the forum posts here, solicitors try and say they've never seen a CCA request and that's why it hasn't been sent to the defendant. Blaming it being received in the wrong department et cetera.

With this in mind, would there be any sense in sending a second CCA request?

Which if they again fail to provide, would show the court that I have made two attempts to gain the adequate information to respond, if I agree/disagree to the claims made in the particulars.

[nemesis45]

Re: PLEASE advise. PRA group vs Penny

I've read on some of the forum posts here, solicitors try and say they've never seen a CCA request and that's why it hasn't been sent to the defendant. Blaming it being received in the wrong department et cetera.

With this in mind, would there be any sense in sending a second CCA request?

Which if they again fail to provide, would show the court that I have made two attempts to gain the adequate information to respond, if I agree/disagree to the claims made in the particulars.

That's the reason for using signed for post and checking delivery date and signature.
If they have not replied and you have the post details leave it the debt is unenforceable until the agreement is produced.

nem