So it's ok that they just sent the claim form to my wife and not to us both?

Yes, thats correct.

Name of the Claimant PRA GROUP (UK) LIMITED Date of issue – 10 SEP 2019 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.The claimant claims the sum of £2300 for an outstanding debt owed. 2.On 01/04/2012 the defendant entered into an agreement with Lloyd bank plc for an overdraft account under the reference X. 3.on 01/04/2016 the defendant defaulted on the agreement with an outstanding balance of £2300. 4.On 01/06/2017 the debt of £2300 was assigned to PRA Group UK LTD. Notices of assignment were sent to the defendant in accordance with s136 law of property act 1925. 5.Payments of £20 were received up to 01/03/2019 and adjustments have been made in the sum of £3. AND THE CLAIMANT CLAIMS 1. The sum of £2300. What is the total value of the claim? £2500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No Did you inform the claimant of your change of address?N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?Bank Account (Overdraft) When did you enter into the original agreement before or after April 2007 ?After Do you recall how you entered into the agreement...On line /In branch/By post ?In branch Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?Yes Did you receive a Default Notice from the original creditor?Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?Yes Why did you cease payments?Always kept £1 payment going What was the date of your last payment?Ongoing Was there a dispute with the original creditor that remains unresolved?No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?Yes

I've now received my 'Claim Form' from the 'County Court Business Centre' What are next steps?

Hi @dx100uk, with regards to the account fees, my reason doesn't seem to fall into the categories mentioned, what shall i put down? With regards to the overdraft interest and useage fees, how do i go about claiming that back? @dx100uk, @AndyorchSo the advice now, is to ignore PRA's threat of litigation, and see what they do? Looking at PRA's response, they've failed to provide all requested information. Does this actually mean they've failed in their duties?

So is there anything I can do, or has the time come to set up a repayment plan?

What do I do about PRA though? I've only got about ten days before they start legal action.

Hi whats the plan on this now?

Totaled all charges and fees and its just over £1k So do I now ask PRA to reduce by this amount?

Got a letter back from Barclays a couple of days ago advising we will receive refund on the above account For £99, wowee! Basically got a letter 'Following a recent review of our operating procedures, we have identified that for our customer who had fallen behind on their payments, we did not always meet our expected standards for assessing customer circumstances.' They are refunding me interest and default fees which were applied to the account during the period in which they may not have provided the service which they should have.

Hi @dx100uk i cant recall why we took it out, its what the guys were pushing, as it came with insurances etc

redone, thanks PDF3.pdf

Thanks for getting back to me so quickly guys. @dx100ukI've still got the £1 payment running. @dx100ukI'n the SAR it shows what must be the first transaction in April 2012 @AndyorchWhat would you like me to upload?

I did mention in post 46 that it was actually opened in 2012. I couldn't go back and edit my first post, as the forum only allows you to edit a post for about five minutes after you post it. So what now, call and make a deal?

I've got the statements in front of me and there's only £600 of charges. The account has only been open since 2012.

Reply from PRA received today: Thank you for your dispute which was received in our offices on 11 June 2019. The purpose of this Response letter is to explain the results of my investigation into your dispute. I have made every effort to investigate your dispute thoroughly and fairly. Your dispute I understand form your Pre Action Protocol that you are disputing the account and have requested documents relating the account. Response When I received your response I contacted the original creditor, who were able to supply me with documents, I will list below the documents we received. 1. I was unable to receive a final demand , however I have included a screenshot provided by Lloyds as to when this was sent, the account was defaulted on 4 March 2016. 2. Notice of Assignment 3. Statements 9 February -1 March 2016. 4. Unable to obtain statement of all transactions. 5. No additional charges when purchased. 6. Interest and charges would have been in keeping with the agreement 7. Payment Transactions while in recoveries, this also covers payments made to PRA Group. I confirm that the information provided fulfills your PAP request, as such the balance remains outstanding Next steps I will place the account on hold for 30 days , if we do not hear back from you within this timescale, we will proceed with legal action. I trust that this now clarifies our position in relation to your dispute, however if we have misunderstood any element or you have new information that we should consider please contact our Disputes Team on 0800 877 2150 or disputes@pragroup.co.uk quoting the dispute reference number xxx Yours sincerely, xxx Enclosed: Application Statements Payments received Screenshot containing details of final demand Notice of Assignment What next? It almost looks like the envelope had been had delivered. The address didn't fit the window of the envelope, it looked like it had already been opened. And there was a post-it-note on it. Along with that letter i got: A screenshot of something showing our names and where the account has come from Copies of letter from Lloyds and PRA advising us the debt has been transferred from Lloyds to PRA Bank Statements Copy of our application form List of £1 payments made

Hi dx, There was no CPP or PPI at all.

Thanks for the responses guys. I will cease the £1 payment to these today.

So all I can do now is await their reply to my PAP reply right?

Hi Guys, whats the next step?

They have failed the CCA time limit, should i now cease the £1 payment?

No reply from the SAR yet. Have i sent it to the wrong address? Arrow have failed the CCA time limit, should i cease the £1 payment?

Yes, I would say we requested the OD.

This account has only been open since 2012, not 1997 as i originally thought.

I've noted down Interest and charges and it only comes to about £600. I thought I'd had this account since 1997, but it's only been open since 2012.