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Hi
I received a court claim form of Christmas eve (of all times) from PRA Group in respect of a credit card debt, PRA have been pestering me with numerous calls sometimes two or three times a day. It is mainly my fault for burying my head in the sand but I mounted up the debt as a result of my mother who has dementia was being conned in to paying money to a so called friend, I withdrew money from the card to help my mother and since then it has never been repaid, it went through the police but they said there was nothing they could do. I went in to default with the Credit Card and then the debt was taken over by Aktiv Kapital and they assigned the debt to PRA Group.
The POC is as follows:
The claimant claims the sum of 10019.87 for debt andinterest. On 2/9/97 the defendant entered into an agreement with MBNA for a CreditCard under reference ............... On 31/3/10 the defendant defaulted on theagreement with an outstanding balance of 8020.24. On 29/2/12 the debt of8020.24 assigned to Activ Kapital Portfolio AS, Oslo Zug Branch, who itselfassigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment weresent to the defendant in accordance with S136 Law of Property Act 1925.Payments of 170.00 received up to 8/7/13 AND THE CLAIMANT CLAIMS The sum of7850.242. Statutory interest pursuant to Section 69 of the CountyCourts Act 1984 at a rate of 8.00% per annum from 8/7/13 to 21/12/16 2169.63and thereafter at a daily rate of 1.72 until judgement or sooner payment.
I don't k know if it would be worth me send off a CPR 31.14 and CCA request or if I should just admit the claim, I last made repayments to Aktiv Kapital in 2013 therefore it certainly isn't statute barred, I just couldn't afford to keep making repayments.
Please can someone give me some advice as to the way forward?
Many thanks.
I received a court claim form of Christmas eve (of all times) from PRA Group in respect of a credit card debt, PRA have been pestering me with numerous calls sometimes two or three times a day. It is mainly my fault for burying my head in the sand but I mounted up the debt as a result of my mother who has dementia was being conned in to paying money to a so called friend, I withdrew money from the card to help my mother and since then it has never been repaid, it went through the police but they said there was nothing they could do. I went in to default with the Credit Card and then the debt was taken over by Aktiv Kapital and they assigned the debt to PRA Group.
The POC is as follows:
The claimant claims the sum of 10019.87 for debt andinterest. On 2/9/97 the defendant entered into an agreement with MBNA for a CreditCard under reference ............... On 31/3/10 the defendant defaulted on theagreement with an outstanding balance of 8020.24. On 29/2/12 the debt of8020.24 assigned to Activ Kapital Portfolio AS, Oslo Zug Branch, who itselfassigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment weresent to the defendant in accordance with S136 Law of Property Act 1925.Payments of 170.00 received up to 8/7/13 AND THE CLAIMANT CLAIMS The sum of7850.242. Statutory interest pursuant to Section 69 of the CountyCourts Act 1984 at a rate of 8.00% per annum from 8/7/13 to 21/12/16 2169.63and thereafter at a daily rate of 1.72 until judgement or sooner payment.
I don't k know if it would be worth me send off a CPR 31.14 and CCA request or if I should just admit the claim, I last made repayments to Aktiv Kapital in 2013 therefore it certainly isn't statute barred, I just couldn't afford to keep making repayments.
Please can someone give me some advice as to the way forward?
Many thanks.
If I find any this weekend I will of course let you know.
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