I'll begin with thanking any one who can help and advise me with this. I had a Bank of Scotland credit card from1995 until 2006 when employment and marital issues took their toll and I was unable to meet payments required but did continue to make minimal payments. They subsequently passed the debt to Moorcroft Debt recovery and I continued to make monthly £20 payments more when I could The debt has reduced from £13700 to £9640 (oct 2016) Other than a few reminder letters MDL seemed ok to receive monies. On 24/10/2016 i received a letter from PRA group advising they had purchased debt (no confirmation of this received from MDL) I did not contact either company at this point and ceased my monthly payments. Their letter also stated debt was with Lloyds TSB bank letter who I understand took over BoS in the financial crash of 2008 On 17/11/2016 i received letter before claim notice as required for pre action protocols In response to this I sent s78 request signed for with £1 PO Reply recd 3/12/16 returning the £1 PO saying it was not required and case on hold until they sent me the requested info together with their 'fact sheet 'saying it may take longer than the 12 working days. 26/1/17 PRA letter received with copy credit card statements only from 2003 to 2006 and advising debt marked as currently unenforceable. 1/2/17 PRA letter received with copy of original signed credit agreement and letter still advising debt currently deemed unenforceable. 20/2/17 PRA letter received chasing debt again and asking for contact which I have not done. 6/3/17 PRA claim letter received before pre action protocols wanting response before 22/3 constituting a formal demand for payment before court proceedings are started. It also states the creditor assigned this to PRA on 6/11/2014 but they did not have this case until October 2016 it was previously assigned to Moorcroft debt recovery I am not sure what to do now and any help /advice would be greatly appreciated Again thanks in advance

Hi have had letter from PRA Group which says Settlement Offer - call now - valid until ....... We would like to advise you we may be able to offer you a repayment solution which could represent a significant saving on your balance. To discuss this repayment option, please a call a member of our team who will review your current financial circumstances to help come to the most appropriate solution for your account Single Payment option: Full and final settlement of £ (10%) Should you make the discounted settlement payment; your credit file will be updated to show as 'partially settled'. In order for your credit file to be marked as 'satisfied', the full outstanding balance must be cleared So this account is unenforceable and has fallen off my credit report and no payments have been made for a while but it is still some time to go before statutory barred and who knows whether things will change about its enforceability so I would like to go for the 10% payment but would like any advice - I am confused about the 2 paragraphs above - are they offering a full and final or does it depend on my contacting them Any help please - Thank You

Hi, I'm hoping someone can give me some advice. I have an old MBNA debt which I defaulted on in 2010. Since then I have religiously been making pro-rata payments up to and including this month. MBNA sold the debt to Aktiv Kapital who in turn sold it to PRA in 2014. I know that PRA have been receiving my payments because they sent me a letter towards the end of last year saying "...thank you for your ongoing commitment to the payment arrangement on your account". It goes on to say "....We would therefore like to make you aware that if it suits your current financial situation, you could settle your agreement by paying a discounted amount which is detailed below" The letter ends with " If you feel you are unable to pay the settlement amount then please continue with your arrangement as normal." Which I have done! However, on the claim form they state "..Payments of £307 received up to 16/6/16" and are now claiming sum owed plus 8% interest + court fee + legal costs. I know I have not missed any payments because my bank statements tell me so I know they have been receiving them because they wrote and thanked me for my continued commitment 4 months after the date that they claim they received last payment. To say I was shocked and confused to receive the claim form from the court is an understatement. What's going on? and how to tackle this? Any help would be appreciated.

Issue Date: 21/02/2017 Claimant: PRA Group Solicitor: Surjit Gida (Legal Rep) Original Creditor: MBNA Particulars of Claim: 1.On 11/06/02 the defendant entered into an agreement with NBNA for a credit card under reference: xxxxxxxxxxxxxxxx. 2.On 31/05/10 the defendant defaulted on the agreement with an outstanding balance of 6895.76. 3.On 29/02/2012 the debt of 6895.76 assigned the debt to PRA Group (UK) on 31/12/2014. Notices of assignment were sent to to the defendant in accordance with S136 Law of Property Act 1925. 4.Payments of 54.00 received up to 13/09/2016. 5.The claimant claims (1) the sum of 6838.76. (2) Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8% per annum from 13/09/2016 to 20/02/2017, 239.63 Daily rate of 1.50 until judgment or sooner payment. The Claimant claims the sum of 7078.00 for debt and interest. Is the debt Statute Barred: No Info: My mother over the phone registered for a credit card, there was no signing of an agreement. In 2009 her husband, my father developed cancer while working abroad. He carried two thirds of their house hold income. Finances grew increasingly as time went on. I assist as much as possible. All other banks when informed of the situation froze their accounts and worked on a solution. MBNA differed and instead raised interest rates. In May 2010 She defaulted once again. On 04/06/2010 MBNA sent her a letter stipulating her balance was 6905.76 and in order to remedy the breach she must pay £1082.13 by 22 June 2010 (I have this letter). On the 30th My father died at home with my mother, she had no ability to pay. On the 30th she also received a letter from Experto Credite stating Varde Investments (Ireland) has bought the interest of MBNA including the outstanding balance. Thus the legal owner of the account. Under the terms of this assignment Experto Credite had been appointed to recover any and all debt. (I have this letter). She replied after numerous calls and letters on the 14th august 2010 (I have this letter copy), apologising and stating the situation she is in, and her inability to pay the sums owed and how she was treated by MBNA. Eventually finances were looked on and a plea bargain was made whereby my mother and Credite Experto agreed she paid £1 per month (Amazing), from the 20/05/2011 via standing order to an assigned bank account. At the end it states "If your payments stop at any time without us agreeing, the full amount will become payable immediately. (I have this letter). She has paid this every month without fail. This never stopped them from harassing her with letters saying she has monies outstanding, but each time she referred to the agreement and never stopped paying. On the 26/04/2012 a letter was received by Aktiv Kapital stating they have purchased the account from Varde Investments. With an outstanding balance of £6,893.76. They have stated they have been advised of a payment arrangement set up with Experto Credite. And although they own the account, "you should still continue to make your payments to Experto Credite" "Experto Credite will advise us of all the payments you make so we can keep your account up to date" (I have this letter) On the 16/05/2012 Experto Credite sends a statement of account as required by the CCA 1974, stating the assigned balance is £6905.76 (This is the exact original amount stated by NBNA in 2010), paid £13... (£1 every month from since agreement) and the current balance is £6892.76. She continues to pay and receives letters of settlement offers she can't afford but no statements from Experto Credite ever again (I have several examples of offers). She next receives a letter of statement Undated for 13/01/2014-12/01/2015 as requires by CCA. Giving a opening balance on 13/01/2014 of 6873.76 and the closing balance on 12/01/2015 of £6860.76. On the letter it also states Aktiv Kapital (UK) limited changed its name to PRA Group (UK). Then saying they have been assigned the account from Aktiv Kapital. "You do not need to do anything as a result of this change. We will continue to accept payments in the name of Aktiv Kapital, So no changes of payment are needed". (I have this letter) On the 16/01/2015 a letter was received from PRA to inform that the account was assigned to them, re-stating that their name had changed. Also saying "Your existing payment arrangements are not affected by this transfer and do not need to make any changes" (I have this letter). Of course still letter are still sent saying an outstanding amount, offers which she still can't afford and calls about her balance. Her replies over the phone stay the same and she keeps paying. On the 25/01/2016 PRA sends another statement saying her opening balance on 26/01/2015 is £6860.76 payments received 12.00. Closing balance on 25/01/2016 is £6848.76. Of course the calls keep coming and she keeps to the same script. On the 03/01/2017 PRA Group sends a letter to inform her that her account has been transferred to the investigations and litigation department. Saying its a letter before claim as required by Practice Direction on Pre-Action Protocols, for intention of court proceedings. She calls them up and informs them of the agreement to which they say they haven't been sent payment.... She checks every month without fault and her last payments at the end of the year show payments go through... . She argues and yes calls them a liar. don't say why or give a reason for not getting payment. On the 05/01/2017 she gets another statement from PRA Group saying they have payments received of £11.00... . So she goes back to her last statement and sees payments are being made, to the agreed. Her statements come after the 9th of every month and is actually stated on her statements... . So she couldn't check her Dec-Jan Statement. She goes with the premise that as usual they are calling to force a new agreement or get something. She gets one more letter from PRA stating again its with the Investigations Department... . Then on the21 /02/2017 she is sent a County Court Claim Form. She still only has her house to her name and zero finance ability. So she contacts me and I look into what I can but I am no lawyer... I discover Experto Credite is now under Liquidation and her Dec-Jan Statement provides a refund of that £1.00 on ironically the 4th of Jan.... One day after???! Being informed its under a investigation and litigation department.... expert credite website shows their liquidation info. This has gone way over my legal knowledge but surely PRA was responsible for informing my mother that the company was under liquidation.. . Or that they weren't paying. .. To investigate this third party who was being paid.. .. The totals from the statements also don't match up to the statement in the claim.. .. 54 is not correct that's even less. She has only missed 1 payment because it was refunded; she wasn't informed at all of anything. This can't be fair or legal. And the Claimant in their statement has completely ignored the fact there is a payment plan in effect, that they have acknowledged this plan, stated nothing will change..... I am lost in how to put a defence down, as its unfair, even though there is no signed agreement which doesn't matter anyway apparently CCA 2006, she has always paid it. any help, identifying legislation, OFT guideline, code of practice or just how to act would be appreciated. I am getting in touch with a financial Ombudsman, Citizen Advice, then gaining statements for every single month to prove payments if it matters, I have copies of all these letters. But pretty sure in a defence you can only have like 200 characters??. And defence on what grounds.... I am truly thankful for any and all help, Wayne

This evening received the following email: Good Afternoon Mr xxxxxxxxxxx , Re. Agreement xxxxxxxx Outstanding balance: £509.20 Outstanding arrears: £25.46 We need to speak with you in relation to the above agreement you hold with PRA Group (formerly All In One Finance). If we could please ask that you contact our office on 0344 245 xxxx at your earliest convenience. Alternatively, please advise of a suitable time so we can give you a call. Regards, xxxxx xxxxx Robertson |Resolution Recoveries |Simpson House |Windsor Court |Clarence Drive |Harrogate |HG1 2PE |T + 44 (0)3442 xxx xxx Resolution Recoveries is a Trading Style of The Nostrum Group Limited which is Authorised and Regulated by the Financial Conduct Authority in relation to Consumer Credit Activities. Registered in England No 04274181. Registered Office: Simpson House, Windsor Court, Clarence Drive, Harrogate, HG1 2PE. VAT No 916 5953 94. This message may contain confidential and/or privileged information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited. Trouble I have is I had an agreement which was paid off back early last year and I have no idea what this is all about or what its regarding. I did move bank accounts 3 weeks ago and found a direct debit paying some company me or my wife didn't recognise and cancelled it, so car not received any letters so I'm wondering if we have been paying for something we have no idea what it is? Any ideas?

Hi About 16 months ago MBNA sold my account to the PRA group. I have faithfully been paying £10 a month. I am on ESA and PIP for border line personality disorder so unable to work I am 59 and live alone no family so I look after my own financial accounts. Last month PRA contacted me for more details as they want to up the payment I owe £600. I sent a copy outlining my diagnosis and that I was in receipt of benefits. This not seem to have satisfied them and they want a complete breakdown of my in and out goings - the form is invasive and TRIGGERED a bad reaction. I am in the support group and been diagnosed by a psychiatrist so I am not pulling the wool over anyone's eyes - but I am worried. Can they make me pay any more, to be honest £10 a month is a lot to me, can they take me to court. Do I have to fill and send the form back to them they have a letter from a certified health personal telling them I am ill. Sorry for the long email.

Here's my summarised situation. I'd like any advice on how I should proceed now. Took out a Credit Card with MBNA in 1999 Through their unscrupulous lending, my own stupidity & intermittent mental health issues, I ran up a debt that I couldn't pay off I started to have problems meeting my minimum monthly payments in 2010, and requested a temporary interest freeze when it got really bad (thought this was 2011, but now realise it was probably 2012... further explanation below) to help me to sort our my finances. This request was ignored. After several months I stopped paying anything and prioritised other debts. Eventually defaulted in 2012 I started to get harrassed by Aktiv Kapital Over time have now been chased by PRA, another couple of agents and back to PRA At one stage, not sure when but probably 2012/13 I requested proof of the debt being owed to Aktiv Kapital/PRA?, and didn't receive that proof. At the time I downloaded a template letter to send, but not sure where from, but it included the sentence about not admitting to the debt. Due to not receiving the proof requested I didn't enter into any communication with any of these companies again. PRA continued to harrass me. I wouldn't hear from them for months and would then be bombarded with telephone calls as well as letters. I didn't answer the phone to them or respond to their letters. Over time they have offered a discount on the debt several times In June 2016 they advised by letter that they were considering passing the case to their Scottish Solicitors I received a letter from Brodies LLP in July 2016 stating they had been instructed by PRA to pursue recovery of the debt and threatening court proceedings. I panicked! I was convinced at the time that it had actually been in 2011 that I had last communicated with the original lender and sent a Statute Barred letter. I heard nothing back and when a couple of months passed with no communication I thought I had heard the last from them. On Saturday I received a letter from Brodies again (6 months later) which included a copy of my original Credit Agreement and copies of the final few months of statements of my account with MBNA showing I made a payment in August 2012. This letter states that "To avoid this matter being passed to our Court Action Team, you are required to pay the Debt or contact us to discuss a suitable payment arrangement not later than 2 February 2017" The amount of the debt being chased is £5781.16 Are they allowed to only give 4 working days for me to contact them? Are they allowed to come back to me after 6 months of no communication? Am I entitled to request proof of ownership of the debt by PRA? Should I contact them tomorrow? I am not in a position to pay this amount. Part of me says, I borrowed the money and should accept that it eventually needs to be paid. However, if there are any loopholes I can use to my advantage then I'd like to try to use them, as for the first time in 20 years I have all my other debts under control and can't believe this has come back to haunt me. I've tried to read as much as possible on other threads, but got really confused by some of the terminology being used, so apologies if I should have been able to find my answers elsewhere.

Hi everyone, Received a letter from The PRA Group this morning, kindly complying with their "Legal obligations" by sending me a statement of my account with them for the year. This is an old Barclays Bank debt which defaulted back in 1991! Unfortunately I was made redundant at the time, fell into debt and lost my home. To be brutally honest, I'd completely put this period behind me and eventually got back into shape. I even have my mortgage and bank account with Barclays now. What concerns me a bit is a line in the letter threatening a black mark with the CRA's. Is this just a threat as the original debt defaulted and was on my credit report for over 6 years. I understand it's well past the Statute Barred period. Should I keep the home warm by throwing this letter on the fire?

Name of the Claimant ? PRA GROUP (UK) LTD Date of issue – 27/7/16 Date to submit defence = XX (33 days in total) - 29/8/16 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1.The claimant claims the sum of 3330 for debt and interest. 2.On 22/3/95 the defendant entered into an agreement with LLOYDS for a loan under reference 44xxxxxx. 3.On 25/3/04 the defendant defaulted on the agreement with an outstanding balance of 2750. 4.On 24/6/13 the debt of 2750 assigned tp Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who assigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. 5.Payments of 27.85 received up to 15/10/13 AND THE CLAIMANT CLAIMS 1. The sum of 2700. Statutory interest pursuant to Section 69 of the county courts Act 1984 at a rate of 8.00% per annum from 15/10/13 to 26/7/16 and thereafter at a daily rate of .6 until judgement or sooner payment. What is the value of the claim?3603.72 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? loan When did you enter into the original agreement before or after 2007? before 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? don't know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? on debt management plan but stopped payments because most of the debts had been sold on and the dcas had not responded to my cca requests What was the date of your last payment? Oct 2013 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 managementicon plan? yes What you need to do now. Answer the questions above If you have not already done so – send a CCA Requesticon to the claimant for a copy of your agreement - done (except for Overdraft/ Mobile/Telephone accounts) Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards - done I have acknowledged and said I intend to defend all the claim.

Hello, I have had the PRA group on my case for a while. Things escalated when in a letter they threatened court action. I issued them with a pre action letter in July & did receive some documents back but not all inc the credit agreement. Subsequently they lodged a claim in court. I replied with my defence. This was in late September. I have now received correspondence & some more paperwork from PRA stating that they will be proceeding with the claim & have notified the court. My understanding is that because they did not send me the full paperwork when requested in my pre action letter (CPR request) in July. It should be unenforceable? I appreciate your help in my next steps! Many Many Thanks Riggz

Hello, I hope someone on this forum with more knowledge than me can help! I have an old date with MBNA (currently £6,723.58) which was passed on to PRA Group for collection some time ago. I'm with stepchange for other debts and all debt companies have agreed to allow me to pay £1 per month. I asked PRA Group to provide me with original docs and they have replied that they had to request these from the original creditor and are currently unable to provide this. They said they would 'freeze' my account until they had a reply from MBNA and that I did not need to continue to make token payments until they had a reply. The next letter from them said MBNA are "currently unable" to provide docs and they apologise for being unable to fulfil my request at this time. They go on to say: "This means that we have classified your debt as currently "unenforceable", which means that we are unable to take court action against you to recover the outstanding balance. This does not mean that your debt is wiped out." and end with "We look forward to your proposals whilst your account remains on hold." So far so good, but how can I get the debt wiped out, as it is clear that they cannot enforce it legally? Do I need to start making token payments again? I would be glad of some advice as I feel this is a bit of a victory whilst it is on hold but not sure how to proceed. Thank you so much for your time.

Hi all I had two ccj debts with Aktiv Kapital which have now both passed the 6 year point. Both had interim charging orders on my house. I paid off one of about £3k and had the charging order removed. They very kindly also sent me a receipt to show that the other debt was clear (which it wasn't) I forwarded that to the court and had the other charging order removed. I moved house a year ago and I am still paying £20 a month to Aktiv Kapital. Any thoughts about what they could do if I stop these monthly payments? The CCJ wasn't really settled although they gave me a receipt and I moved house. I am tempted to let sleeping dogs lie but equally I wouldn't mind asking for a refund on the £20 that I have paid for the last 12 months. I haven't heard anything from them and they don't have my new address yet. How clued up are they?

Hi all, Just a bit of advice required my mother is getting letters and calls, most recent from PRA over my sons debt but he has not lived in the UK for over 2 years and lives in Riga, she has ignored the calls and returned the letters back to the collectors but some are failing to stop harrasing her. Even his credit report shows his address in Riga but they are still bugging a 75 year old woman who has none of the debts to her name. Any advice greatly appreciated

Hi Guys Been a while since I have been on the forum, previous thread was a few years back about link financial and spectrum in the debt management forum. One of my creditors was Lloyds TSB bank loan of £20,000 to clear credit cards, although that never happened but that's another story. The loan dates back to 2005 and was defaulted in 2007 due to wrong advice from spectrum financial protection, during the time with spectrum, BLS collections collected the payments from spectrum until the debt was assigned to AKTIV KAPITAL PORTFOLIO AS, OSLO,ZUG BRANCH in 2013, and then on to PRA group in 2014, (if I remember right, aktiv changed to pra). This debt is in my wife's name only, and she is very frightened as to where this is going. Since Aktiv and PRA have been involved with this debt, they have sent letter after letter, every week, and have also been harassed by them from constant phone calls, I mean at least 2 everyday if not 3 for the last 2 years. We have never answered one of them, just pick up their messages, and have never replied to any of their letters. 2/6/16 usual threat of court action. 25/6/16 letter before claim, they wanted me to acknowledge and answer by the 11/7/16, but I did not. 5/7/16 cca request sent to PRA group 7/7/16 confirmation of cca request letter from PRA with my £1 postal order returned as they do not require it for my request. (unlike link who previously charged it to my account) 29/7/16 claim form To this day we have not received cca from them. We are not disputing that we owe the money to Lloyds and will happily pay at a sensible amount per month, I dispute that I owe PRA money plus the stupid amount of interest on the claim form, I didn't want it to get this far but guess its to late now outstanding balance - £15,905 Amount claimed - £19008 Hope someone can help as don't know what steps to take next, my wife is having kittens in the kitchen at the moment and really wouldn't cope with a court appearance if it comes to that. Thanks in advance Chris

I received a letter from PRA Group recently. It states: ================================= We write further to the above and to inform you that your account has now been transferred to the investigations and litigation department. This is a letter before claim as required by the Practice direction on Pre-Action protocols, to give you notice of PRA Group's intention to issue court proceedings against you. You should consider the contents of this letter carefully and seek legal advice or alternatively contact one of the free agencies detailed on the enclosed document. We specifically refer to paragraph 4 of the Practice Direction and set out in that paragraph are the courts powers to impose sanctions for failure to comply with the practice direction. You will recall that you entered a written agreement numbered xxxx on or around xx/xx/2006 with Varde Experto (The creditor). The agreement was regulated by the consumer credit act 1974. The agreement obliged you to make payments, however, in breach of the agreement you failed to make thos payments and are now in breach of the agreement. By a notice of default the creditor required you to remedy the breach within the prescribed period and gave notice that, in default of so doing, you would be liable to pay the monies due and owing. However, you did not remedy the specified breach within the prescribed period and you then became liable to pay the creditor the sum of £xxxx By an assignment in writing dated xx/xx/2012, the creditor assigned the debt to PRA group. Then by notice in writing the creditor and PRA group wrote to you to notify you of the assignment. PRA group has made further written and oral requests for payment of the sums but you have not paid the sum due and owing. If after considering this letter you take the view that you do not owe £xxxx then we look forward to receiving your reasons why you take that view plus supporting documentation. We do not presently envisage that expert evidence will be needed in this claim. This letter should be treated as an invitation to refer this dispute to mediation or some other form of alternative dispute resolution (ADR). In addition this letter triggers certain time limits that effect you: 1. You are expected to acknowledge and answer this latter before claim by xx/03/2016. 2. You are expected to respond to the invitation to refer this matter to ADR by xx/03/2016. We look forward to receiving your letter in reply, responding to the claims made against you and / or setting out your proposals for settlement / payment. We are prepared to discuss repayment options if this assists you. If we do not hear from you within the above time limits then court proceedings will be issued against you which may increase your liability for interest and costs. If you have any difficulty in complying with the above limits please explain the problem to us as soon as possible and we will consider a reasonable request for extension. Yours sincerely Litigation manager PRA Group (UK) Ltd. ================================= Information: I have never spoken to PRA group, or acknowledged any previous letter. The original credit card account was opened in 2006. I do not recall the original provider, but it was not Vadre Experto. The default occurred in 2010. It is therefore due to drop off by the end of this year (two defaults have already dropped off my file, and my score is starting to improve - I'm well aware of my past mistakes and errors in judgement). The amount owed is less than £2000. Should I: A) Write to them by recorded / special delivery, asking to see a true copy of the agreement they refer to, providing them with a £1 postal order in payment of the statutory fee (if the price has changed, please advise). Also ask for a certified copy of the original default notice, and a deed of assignment from when the debt was sold on (I do not have any of the above at this point). I believe I can give them 28 days to supply this? B) Ignore the letter above, and do it if / when I receive a claim form from the court? C) something else. I don't know whether to ignore them, try and draw it out until the default drops off my credit file, speak to an actual solicitor. Thanks in advance for your advice.

I have received a claim form from PRA group for an old lloyds credit card debt. I have acknowledged service and said I will defend it all. Prior to this I had sent a CCA request years ago which they ignored and kept sending me letters offering a discount if I paid up this month I received a letter before action. I replied with the pre protocol letter they sent a letter saying the info might take some time to get, a photo copy of a an application form and agreement with some terms and conditions on the other side then a claim form and then a letter saying the debt had been sold to them. The claim details are as follows: The Claimant claims the sum of 8000 for debt and interest. On 1/1/02 the defendant entered into an agreement with LLOYDS for a credit card under reference XXXXX. On 7/12/06 the defendant defaulted on the agreement with an outstanding balance of 6500. On 24/6/13 the debt of 6500 was asigned to Aktiv Kaptial Portfolio AS, Oslo Zug Branch, who assigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. Payments of 60.00 received upto 15/10/13 AND THE CLAIMANTS CLAIMS 1. The sum of 6500. 2 Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8% per anum from 15/10/13 to 14/7/16 and thereafter at a daily rate of 1.42 until judgment or sooner payment

Hi all I am very worried as I have received a County Court claim form from PRA Group. This is in relation to an alleged debt they claim to have purchased from MBNA in 2012. I have received various letters from them in the years since then, several with 'gift vouchers' attached to reduce the alleged debt. This always led me to believe that they were just angling for contact so I ignored these. I have requested the CCA previously, and after a long delay one was produced, but their written correspondence then reduced. Recently (in June) I received a 'letter before claim as required by the Practice Direction on Pre-Action Protocols' dated 23/6/16. I responded on 2/7/16 by requesting the CCA again and stating 'I do not acknowledge any debt to your company'. I received a further letter from them on 7/7/16 entitled 'Information as requested' and with a CCA attached. However this was followed very shortly by a County Court Claim Form dated 25/7/16. They are claiming the alleged debt, a court fee and legal costs, plus Statutory Interest. I am worried by this and also because they are trying to include Statutory Interest at 8% from 27/11/12 to 22/7/16. Are they allowed to do this? I read in other threads this is not allowed to be part of a claim? I have attached their PAP letter, their response to my CCA request and the CCA, and the County Court claim form below. Any help would be greatly appreciated as I am really worried about this. PRA_Group_PAP_CCA_Claim.pdf

name of the claimant ? pra group (uk) limited date of issue – 05 sept 2016 AOS done 7th sept .filing the defence? by 4pm Friday 7th October what is the claim for – the reason they have issued the claim? 1. the claimant claims the sum of £1900 for debt and interest. 2.on 0i/12/89 the defendant entered into an agreement with lloyds for an overdraft under reference (here is bank sortcode and account number). 3.on 03/11/09 the defendant defaulted on the agreement with an outstanding balance of £1500. 4.on 24/06/13 the debt of £1500 assigned to aktiv kapital portfolio as, oslo zug branch who itself assigned the debt to pra group (uk) ltd 5.on 31/12/14. notices of assignment were sent to the defendant in accordance with s136 law of property act 1925. payments of £10 received up to 17/07/13 and the claimant claims 1. the sum of £1500 2. statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8% per annum from 17/07/13 to 02/09/16 £376.33 and thereafter at a daily rate of 0.33 until judgement or sooner payment. what is the value of the claim? £2,070.00 is the claim for a current account (overdraft) or credit/loan account or mobile phone account? current account (overdraft) when did you enter into the original agreement before or after 2007? before 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. PRA GROUP were you aware the account had been assigned – did you receive a notice of assignment? no did you receive a default notice from the original creditor? dont know was in psychiatric hospital have you been receiving statutory notices headed “notice of default sums” – at least once a year ? no why did you cease payments? originally in 2009 i lost my job due to mental illness and could not repay my overdraft. a repayment plan was subsequently agreed with lloyds of £5 a month as i was unable to work (still ill) what was the date of your last payment? july 2013.i maintained the repayments to that date after that i continued to try to make the repayments by standing order but the payments were returned. 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 managementicon plan? yes. details provided and monthly repayments agreed and always made until they started being returned to account. if you have not already done so – send a cca request to the claimant for a copy of your agreement (except for overdraft/ mobile/telephone accounts) i have not done this as claim relates to overdraft. is this right? Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards Request 2 - Current accounts i have read this and adapted it as best i can and will post it registered delivery tomorrow. i am new to this site. i have received a claim form from pra group for an overdraft with lloyds that i had when i had a breakdown in 2009 and was taken into hospital and lost my job. was making payments to lloyds of £5 per month from dec 2009 to july 2013 after that the standing orders were returned to me by lloyds. i also had a loan with lloyds and that was transferred to different debt purchaser and i continued to make repayments on that to date. so no i didnt know the overdraft debt had been transferred. i did not receive notice. i have read the guidelines on posting and i hope i am complying with them. any help at all on dealing with this claim would be very much appreciated. i have read that there are posts on the legal success forum that will help draft a defence. i .looking through this now. have i done the right things so far please. sorry about the caps. its.just that red font isnt coming up. i am trying to make my answers stand out for ease of reading

Hi all, Hope somebody can help i've done a lot of reading before posting here but just need to check a few things The story is i 3 days ago i received a ccj claim form from PRA Group/ northampton county court for a mbna credit card that i took out in 2011 and defaulted in 2013 . The original default amount was £3000 and with interest and costs is now over £4000 Now i selected defend part of the claim on the mcol gateway site so i'd get 28 days to prepare,i i'm hoping to just pay them off and stop a ccj if i'm honest as i did just ignore my debts when my marriage failed back then ,now i've got my life in order i just want this sorted. Is it right i get a breakdown and hopefully get rid of the interest and charges is this possible? This was what i planned to do: 1- send a s.r.a with £10 to MBNA 2 - send cpr 31.14 to pra group with £1 postal order I'm guessing these should be sent first thing recorded delivery on monday as the clock is ticking? I've made a letter for the cpr 31.14 that i'll put up minus details if somebody is good enough to advise me,i'd be very grateful. Thanks, metalman

Hi, We have a credit card debt with MBNA taken out in 2008 which defaulted in 2013. It is showing on CRA as 'satisfied' with MBNA, but then appeared as Aktiv Captial, who chased through 2013 - 2015. The debt is now with PRS Group and we have had a letter asking for payment or Court Action will ensue. If the debt is showing 'satisfied' can PRS still push for payment, or is this 'satisfied' because the debt has been bought? We wrote to Aktive in 2013 asking for CCA, they sent us photocopied version, scribbled numbers over and no sig. Do we just ignore PRS? We have had one succesfully thrown out case with another card company who folded at Court, can we do the same again? Thanks skywalker

Hi guys Just need a quick bit of input from Andyorch, when you have time Andy. It's been a couple of months since I've been on here - just been too busy to look in. Anyway, unfortunately one of my old post-2007 credit card debts has raised its ugly head in the meantime. I knew it was looming as PRA had resumed activity a few months ago, then their mates J&P sent an LBA a month back. I was hoping to intervene before they could issue the claim but I'd been away and they didn't hang about. Claim form duly received! I've done the acknowledgement and now just need to enter a defence. I haven't sent off the usual CPR or CCA requests as PRA had already sent the online agreement and I have no intention of going to court on this. I just want to buy some time and eventually try to negotiate something. I'd be very grateful if you could run your eye over the defence below. Particulars of claim: The claimant claims the sum of £8xxx.xx for debt and interest. 1. On xx/xx/2008 the defendant entered into an agreement with MBNA Europe Ltd for a credit card under reference 1234567890123456. 2. On xx/xx/2013 the defendant defaulted on the agreement with an outstanding balance of £6,xxx.xx. 3. On xx/xx/2013 the debt of £6,xxx.xx was assigned to Aktiv Kapital Portfolio AS Zug Branch, who itself, assigned the debt to PRA Group (UK) Ltd on xx/xx/2014.Notices of assignment were sent to the defendant in accordance with s136 Law of Property Act 1925. And the claimant claims: 1. The sum of £6,xxx.xx 2. Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from xx/xx/13 to xx/xx/16 £1,xxx.xx, and thereafter at a daily rate of £1.xx until judgement or sooner payment. ------------------------------------------------------------------ PROPOSED DEFENCE 1 The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. I have, in the past, had an agreement with MBNA Europe Bank Ltd but I do not recognise this specific account number. 4. Paragraph 2 is denied. I have not been served with a valid Default Notice pursuant to the Consumer Credit Act 1974. 3. Paragraph 3 is denied. I am not aware of any legal assignment or Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) 4. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: a) show how the Defendant has entered into an agreement and; b) show how the Defendant has reached the amount claimed for and; c) show the nature of the breach and evidence by way of a Default Notice pursuant to sec 88 CCA1974 d) show how the Claimant has the legal right, either under statute or equity to issue a claim 5. As per Civil Procedure 16.5 it is expected that the claimants prove the allegation that the money is owed 6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of section 136 of the Law of Property Act and section 82A of the Consumer Credit Act 1974 7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. Is the above ok to submit? Do you have any further comments to add. Many thanks! Sham

Hi, I am looking for a little advice. I received a claim form from the county court business centre from the claimants Pra group. I then completed a CCA request and CPR request, which the claimant and their solicitors did not fulfil. I filed my defence, and was updated by the claimant they would provide the documents in due course. The claim was then allocated to the small claims track, and mediation was offered. I had to refuse mediation due to not having all the documentation, which the mediators recommended. Within two days the claimants solicitors sent all the documentation from the CPR and CCA requests, not sure if they were trying to avoid mediation. I have the signed agreement from the credit card but I am a little confused. The agreement was signed by me on the 4/10/2011 with bank of Scotland Plc for an aqua credit card and stamped with I guess an internal stamp on 10/10/2011. The particulars of claim state that it was an agreement with progressive credit ltd entered into on the 12/10/2011. As the dates and the company do not match is this an issue, The particulars of claim state default was made on 18/7/2012 but that last payment was December 2011. The assignment from progressive credit to aktiv kapita was on the 24/1/13 however the particulars of claim states 29/1/13. All assignment documentation has been provided finally. They have also provided me with the notice of assignment from activ kapital to Pra group, but only the letter from Pra not activ kapital, is this sufficient? Any advice would be welcomed, thank you. It is just following the provision of documentation they have advised me to withdraw my defence, and I am unsure if this is correct how I would go about doing it, as I do not want a ccj on my credit file, and do not have the fund to pay in full. I will set up a payment plan if they own the debt, it is just it seems debts have been passed from pillar to post and I want to ensure I am paying the right person for the correct debt.

hiya all. just got a letter from PRA group about a debt i have of roughly 2 grand. they are saying they are going to get brodies LLP scottish solicitors on to me (im in glasgow, scotland) im wondering what powers these people have - i.e. do they have any right to come to my house and seize goods? under scots law. im sure only sheriffs officers have the right to come on to my property under scots law. i know that simple debt collectors are trespassing by coming to my house just not sure where i stand with a local solicitor. thanks for any reply's! i will re - phrase that - who has the right to come on to my property? in scotland.

Credit Card-MBNA -Account start date 05/2006, defaulted -06/2010 at £6550. Noddle currently shows that I owe : £5250. I found a letter dated 01/09/2010 from Experto Credite advising me that Varde Investments(Ireland) Limited has bought the interest of MBNA Europe Banks Limited and they are legal owner of my account. ‘Under the terms of assignment Experto Credite Ltd has been appointed by Varde to recover any and all outstanding sums.’ I paid Experto Credite £20 on monthly basis until Aktiv Capital contacted me to inform me that they have taken over my account. They agreed to the £1 monthly payment in 2013 (which was agreed with Experto Credite already I think) and since then I have been paying it. I noticed just recently that on my Noddle report instead of Activ Capital, PRA Group UK has taken place as a lender.The last letter I received before I moved away in 2013 was from Aktiv Kapital ltd. I have been paying them £1 for more than 2 years. Now I want to update them about my new address and request CCA but they are no longer Aktiv Kapital ltd. They are PRA ltd. They probably sent me a letter to notify me at my old address... Their bank details are still the same so my £1 has been going to them and they update my Credit record file regularly. I called the Aktiv Kapital telephone number from the letter I last received in 2013 but PRA answered. I did not introduce myself - just asked them to who to write and they explained to write to PRA in Scotland not to Aktiv Kapital in Bromley. Who should I address the letter to: PRA or Aktiv Kapital or both? What do you think? My address: Their address: Aktiv Kapital(UK)Ltd/ PRA ltd 2 The Cross Kilmarnock Scotland KA1 1LR Date: Dear Sir or Madam, .................. or My address: Their address: Aktiv Kapital Ltd 2 The Cross Kilmarnock Scotland KA1 1LR Date: Dear Sir or Madam, .....................

Hi I have just joined this site,I had worked for Mackenzie Hall and after that PRA Group once they purchased Mackenzie Hall,I no longer work for them,the reason I have joined this site (and others) is if I can help anybody in anyway with advice etc I'm only to happy to help or give advice,if I know the answer to the question! I understand it may be strange an ex employee posting on this site but I have personal reasons as to why. Regards Mashigana