ok thanks dx, so im drafting n265, hows this look? any thing else? 1) Section 78 Request, dated 16/09/2022. 2) CPR 31.14 Request dated 15/12/2022. 3) Copy Barclaycard agreement provided by claimant following Section 78 Request. 4) Copy Barclaycard Terms & Conditions provided by claimant following Section 78 Request. 5) Financial Ombudsman Service (FOS) Irresponsible lending complaint acknowledgement dated 02/03/2022. 6) FOS complaint findings dated 13/02/2023. 7) Barclaycard Acceptance of FOS findings and resolution dated 17/02/2023 Closing correspondence from FOS dated 14/03/2023

so, the first entry is about disclosure of documents, should i be disclosing any? what about evidence from the ombudsman, or should this just be included in the WS.

Well, I keep hoping the idiots at PRA will let this drop but what incentive is there until they have to part with money? they may as well just waste yours and everyone else's time. got back from holiday and my brother has forwarded a notice of allocation. Looking at others it seems pretty standard? If you could have a quick glance and pass comment that would be most appreciated. should I not contact Barclaycard and get them to just stop the whole thing? or just follow this through? many thanks NOA.pdf

ok thanks andy, on the DQ i assume 'no' to 'A1' and 'A2'? and 'A3' is failure to comply with 'CCA request'? I assume still no need to mention FOS findings at this stage?

So i assume i refuse the draft directions and fill in the DQ?

Well they are saying they are copies of the originals, but clearly I’ve not seen a signed copy. tomlin is for full amount.

Update on this one: pra group have written to say they believe the best way forward is to settle with a tomlin order. also, in response to the amendment request re documents to original documents: “We write in reply to your letter dated 30 March 2023. Unfortunately, we cannot provide original documents as they are provided electronically by Barclays Bank UK PLC as copies of the original documents. Sections 77-79 of the Consumer Credit Act 1974 allows consumers to request a "true copy" of their credit agreements and we oniy provide copies of original documents received directly from the assignor. We hope this satisfies your query and we look forward to hearing from you confirming you agree or disagree. Yours faithfully” any thoughts on how to proceed?

got it! thanks for clarifying

sry andy, think I'm being think. iii) (b) says 'Original Documents'. is this not the case? am i missing something? also given the FOS have found Barclays guilty of irresponsible lending, should we not be trying to get this struck out? Surely, the default notice, the debt and the amount is all completely and totally incorrect.

hi andy, I'm trying to get my head round this. should i agree to the directions? I'm not sure which point you refer to point 1. also the dates seem to be missing?

Also received from pra combined.pdf

hi dx, sry for the delay. N181 addressed to my brother. mcol: Your defence was received on 16/12/2022 at 16:05:06 Case Stay Lifted on 13/03/2023 DQ sent to you on 13/03/2023

hi dx, not sure what n244 is? I've attached what's been received. 01-combined.pdf

Thought to good to be true, the muppets at PRA Group have paid to have the stay lifted, so have received 'notice of proposed allocation to the fast track', have to respond by 13/04. We have agreed with the FOS and they have told 'Barclays Bank UK PLC to settle the complaint directly in the way we agreed'. clearly the claim is wrong on many different levels. So what's the next move?

Hi dx, thank you for your response, as always i find invaluable. I agree its a win, providing the whole thing goes away. funny you should say that lol. I am learning and will of course apply this to other more pressing issues as you have alluded, I do realise that sometimes one has to know when to quit, and that the moral high ground can be costly. Many Thanks again for your help.