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Pra Group CCJ
I found out in 2017 that I had a Ccj taken out against me in May 15 by the PRA group. It relates to an old MBNA credit card that I had taken out years before. I was unaware of the Ccj for over 2 years as it was sent to an old address or never sent. Anyway, I pretty much ignored it as I was caring for my elderly mother at the time and hadn't the time to fight with them. In 2018 I was contacted by the Enforcement of Judgements Office in Northern Ireland and interviewed about the debt. This then made me look into it further. Following some research I sent a request to the PRA group for a copy of the original credit agreement as the debt was pre 2007. The replied stating they could not provide this and the debt was unenforceable. The then wrote to me again and said d they had sent this letter in error and said the had a Ccj that should be enforced. What I think they mean't was that they didn't mean to let me know that they couldn't provide the original copy! If I had had a chance to defend myself originally could I have blocked theirCCJ by proving they could not provide the original credit agreement as required by consumer law?
They now have a firm if solicitors hassling me with further action. The original debt was kust over 4k which I acknowledge I owe to MBNA but these people are looking over 8k. I made a payment under pressure in 2014ish so its not statute barred.
Any help would be much appreciated. They say that if I don't fill in an income and expenditure form by the end of July they will commence further enforcement action.
They now have a firm if solicitors hassling me with further action. The original debt was kust over 4k which I acknowledge I owe to MBNA but these people are looking over 8k. I made a payment under pressure in 2014ish so its not statute barred.
Any help would be much appreciated. They say that if I don't fill in an income and expenditure form by the end of July they will commence further enforcement action.
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