Hello everyone,
I've been an avid reader of this forum for the past year and think after reading an abundance of information, I'm finally at the stage to ask a few questions.
Thankyou in advance for any advise and support.
Just to summarise:
I defaulted on a Halifax unsecured loan in January 2019, never really heard anything until the last 6 months when started getting letters from PRA Group.
I just ignored them until they sent a letter of claim back in March, I promptly responded back with a CCA request and have today received their response.
They have provided a copy of the CCA agreement, but not of any of the statements or payments made, even though they state this in their letter.
If you could also look at page 11 "under next steps" I believe these are internal notes of the claim handler that he's accidently printed and posted to me, as it doesn't make sense why this would be here.
Also page 12 and 13 were sent to me printed like that, ive tried to decipher what was written, I believe its just generic debt charity advise.
I'd like to know what my next move is now, do I just wait for an actual court summons or respond saying they haven't provided all the information requested?
Many thanks
Halifax loan - pra group 11_7_23edited-compressed.pdf