I will update it asap it was a personal loan

Sure I will fill it out ASAP So at the moment I should just ignore till I get any legal paperwork through for my debts I will definitely keep this updated with all letters I receive as I hope it will help others also

Unfortunately it can creep back up however they did say to me it’s never happened yet in all the cases they have won and they also claimed quite large fees from them also but next time I will fight myself and also claim back the court fees etc really appreciate all your help as I said

Update on my case Unfortunately I really got very stressed and frustrated as lacked the confidence so I used a solicitor and followed pretty much exactly as was advised here to do ( I won’t make that mistake again as solicitor ended up costing me ) I won the case as they couldn’t produce all the documents that was required by them so the case was dismissed I wouldn’t of fought it if it wasn’t for the support of this group all the mods are great and I think it’s important to support the group as I have and will definitely be doing more also have to say Dx100uk give 100% and I’m grateful and his knowledge is amazing only one thing I would would say is I know mods can’t hold our hands the whole way which is so unfortunate when is our first time but trust me you can do it with there help is all here on the site Remember all the help we get here is free they rely on donations it’s amazing the support

Will update on that page now don’t want to confuse here so your saying That they don’t need to send for Scotland ? So they can just straight take legal action is that what you are meaning thanks again

And this letter I just received …. And mentions being a home owner says they have looked at my credit report Dear What legal action means Despite our attempts to contact you, you have not been in touch, or set a payment plan on your account(s). We have therefore reviewed the information on your credit file and believe that you're a homeowner and we are considering taking legal action. If we take legal action, this means: • We will instruct solicitors to take legal action on one, or more, of the accounts listed above. • A writ or summons dependent on the size of your balance would be issued by the Court demanding payment of the outstanding balance. • Fees, solicitor's costs, and interest would be added to what you owe. • If a Decree is granted, we may apply for an Inhibition on your house, which would prevent you from selling your property until you have paid, or apply for an attachment order on your wages, or request that a bailiff visits you at home. It's not too late to set up a payment plan It's important that you get in touch with us by 28/08/2023. You can still avoid legal action by setting up a payment plan on our app or website, or by speaking to our team

Hi, looking for some advice please I have received quite a few letters from Lowell the amount is for £7000 and I’m based in Scotland (incase that makes a difference) the default date is only 12 months ago ago with original creditor this one I received on the 17/07/2023 that I ignored I will copy text here and then post the 2nd one that I just received recently just after this Thanks so much for your help again Dear You have not contacted us You have not responded to our recent attempts to contact you. Please get in touch with our team by 31/07/2023 to discuss your options for paying off what you owe. Please don't ignore this letter It's important that you do not ignore this letter. If you don't contact us, we'll review all the available information, including a review of your credit file, to understand if you're a homeowner and get an understanding of your financial situation. This will help us decide our next step, which could include legal action. Taking legal action would mean instructing solicitors to obtain a Decree to help us recover what you owe. This could mean fees and interest are added which would increase your outstanding balance. A Decree would be visible on your credit file for six years. We'd prefer to avoid legal action and work with you directly, so please call our team today on 0333 556 5700. If you'd prefer to manage your accounts without talking to our team, you can set up an affordable payment plan on our app or website.

Sorry took a while to work that out to convert image please let me know if worked ok thanks again

I was just asking to make sure sorry

Cca form ready to send will be posted first thing tomorrow should I send 2 ? One to Pra group and one to their solicitor Brodies I will try and upload the form 7 that I received thanks

Great thanks really appreciate it What should I do now thanks again

Hi sorry don’t understand the form 7 the date of expiry is 09/03/23 thanks again

Scan what up ?

Yes there is and the early one is the 9th of March Sorry for The delay in getting back to you just trying to deal with all of this

I was sending you your template as I had filled it in to just check over it but I noticed I left 77 and 79 in the template I sent you I just wanted to see if you thought was correct Thanks

Ok And also put there reference number in the letter from the email as that’s not on the legal paper work

Thanks but there is a rush really pulling me down hard be honest so on the cca letter I’m sending the account number I don’t have anything on the papers that where served to me but I do have a pra account number I found in old email from them should I use that one

Sending the cca form that’s very straight forward thank you but it’s the court ones I’m struggling with to prepare but I will try again to see if I can figure it out I’m sorry if you think I’m little slow here it’s not on purpose Please bear with me

Ok thanks but should I send it also to their solicitor so if I don’t get reply can say I requested it just I don’t have long left Can you please send me the link again to the cca now so I can fill it in and will print it ready to send recorded delivery ?

Ok thanks I will try and find all the information to send thanks for your help

Thanks I checked my credit file the amount they are asking for is the amount that was on my Barclays report and and it does say they sold the debt onto them Feb 2022 pra group there is no Reference number on any of the paper work that anything similar to my card number I’m glad you think I can defend what is the normal success rate with defending this way

Sorry my mistake you've missed out: Date of Agreement: – October 2018 yes I believe so is when I got the Barclay card I did try to check it but I couldn’t find it Reference Number: – is this the original creditors reference number I’m sorry I didn’t include one where would that be account number? (y/n) no how many digits does it have? I can’t get into account but will look for card asap I’m 99% sure it was 16 digits Unpaid balance: - won’t let me into check as account is closed do you know how I can check it if needed Once again thanks

Once again thanks for your help here is all the information I hope I have done it right name the issuing court: paisley sheriff Court Who are the pursuers: PRA Group (uk) Ltd Who Are the Solicitors [listed at the bottom of the writ] :Brodies LLP what date was this served on you and by what method [hand/post] and by whom:- Hand by sheriff officers on 16th February what date is within the COURT STAMP: 16th February 2023 What is the writ for – [sentence under defender] To grant decree against the defender for payment to the pursuer of the sum of £9320 AND under condescendence: 1.The parties are designed in the instance. 2.The pursuer has no reason to believe that any agreement exists propagating jurisdiction over the subject matter of this cause to any other court. 3.the pursuer has no reason to believe that any proceeding may be pending before any other court involving the same cause of action between the parties as those named herein. 4.The raising of the action and is domiciled there. 5. The nature and circumstances of the said residence indicate the the defender has a substantial connection with Scotland. This court accordingly has jurisdiction 6., on or about 3 October Barclays Bank UK plc entered into a credit agreement ( hereinafter referred to as the agreement ) with the defender. A copy of the agreement will be produced the agreement is regulated by the consumer credit act 1974 ( the 1974 act ) 7.The Defender failed to maintain payment of the instalments due in terms of the Agreement. Barclays Bank UK plc served a default notice in the defender. The Defender failed to make payment in satisfaction of the Default Notice Barclays Bank UK plc terminated the agreement. Following the termination of the agreement the balance due thereunder is £9,320 which is the sum sued for. 8.On or around 18 January 2022, Barclays Bank PLC rights in terms of the agreement have been assigned to the Pursuer . Notice of the assignation has intimated to the Defender. 9.The Defender has been called upon to make payment of the Sum sued for but has refused or at least delayed to do so. This action is accordingly necessary AND under pleas in law The Defender being due resting and owing to this Pursuer in the sum sued for, decree should be granted as craved. What Is the claim for ..[Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt etc] : Credit Card from your knowledge: answer the following: Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes When did you enter into the original agreement before or after 2007 [give the date]? 2018 Were you aware the account had been sold/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 When was your last payment:- September 2021 Why did you cease payments:- Covid just really took Over everything and financial and mentally was very hard time 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

Hi dx100uk sorry for delay to be honest just struggling a little but I have started and will send the information very soon I just can’t remember the exact date account was opened so looking for the information once again thanks for your help

Yes is hard but hopefully this will help to be honest I still really don’t understand fully this way but I hope they don’t have the information to instantly reply with and I’m also hoping they the Scottish law will work in our favour more this site is amazing just wish could pick up the phone though as no one else recommended the same route as they have so I’m really grateful for the support here