First go having spent the last three months looking, reading to the sound advice here. It all seemed wonderfully simple until it's yourself involved and to be frank it's daunting, and taking me a while plus a "Now been transferred to investigations and litigation" and containing "Letter before Claim", to get started. It's signed by obviously an in house legal manager / solicitor.
This first issue is PRA Group who say they have bought this credit card amount owed (£3600) from Vanquis. (agreement 2009) and sent the assignment in letter in 2016, I don't remember that. Initially I was really stressed as the letter does not contain the usual "may" or "could" result type words but clearly says WILL be issuing court proceedings and they await my response by the 3rd October. Then I saw a post with exactly the same letter issued to someone else saying "entered an agreement on or about xxxx" "We do not envisage expert evidence will be required" etc...
I had been using a DMP at basically £1 for several other creditors all yet to be dealt with. Nothing has been paid since May this year. I have been having more and more problems since my heart attack in July 14 and a second although milder one in 2016. I now work reasonably but cannot afford to either pay anything substantial or get a CCJ as this would effect the work I have.
Now my thoughts are I should challenge this to check they have everything correct in relation to proving this plus any incorrect charges etc... on any amount allegedly owed. I would really appreciated a suggested step by step approach to this to check I'm on the same lines.
Many thanks in advance.
This first issue is PRA Group who say they have bought this credit card amount owed (£3600) from Vanquis. (agreement 2009) and sent the assignment in letter in 2016, I don't remember that. Initially I was really stressed as the letter does not contain the usual "may" or "could" result type words but clearly says WILL be issuing court proceedings and they await my response by the 3rd October. Then I saw a post with exactly the same letter issued to someone else saying "entered an agreement on or about xxxx" "We do not envisage expert evidence will be required" etc...
I had been using a DMP at basically £1 for several other creditors all yet to be dealt with. Nothing has been paid since May this year. I have been having more and more problems since my heart attack in July 14 and a second although milder one in 2016. I now work reasonably but cannot afford to either pay anything substantial or get a CCJ as this would effect the work I have.
Now my thoughts are I should challenge this to check they have everything correct in relation to proving this plus any incorrect charges etc... on any amount allegedly owed. I would really appreciated a suggested step by step approach to this to check I'm on the same lines.
Many thanks in advance.
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