Florida Jens diary

[nightwatch]

I would send it signed for, expect a large package back, but it may take a week or two.

The Sar shows the history of the account, also shows what has happened behind the scenes,
should give an Idea of if/when a default was registered, last payments letters sent and received, statements of account, copy of agreement if they have one.

Hubby's for his Lloyds account said that we had sent a CCA but they didn't have one on file because of the age of the account, yet they insisted in every letter they sent that" you would of signed an agreement when the account was opened, we will send a copy when available"
we knew that the account was EU, + it was taken out as a TSB Trustcard, so started life as a Chq guarentee card, morphed to a debit card, then to a Credit card, never signed an agreement.

NW

[Floridajen]

Debt 5

• Type of account (credit card/loan) Barclaycard
• Date commenced (ideally before Apr 2007) ????
• Approx balance. £1900
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
statement received from Barclaycard
letter received thanking me for letting them know about stepchange

2014
Monthly statements received
letter from Barclaycard advising they have had payment offer from stepchange

2015
Monthly statements received
Default letter 87 (1)
letter from Barclaycard Formal Demand
as above
letter advising account transferring to PRA Group
letter advising account now closed
letter from PRA Group saying they have purchased account

2016
letter from PRA statement of account

2017
Letter from PRA account summary

2018
I sent CCA request with £1 PO
I received PO back with PO account of hold
letter from PRA enclosing some documents but stating unenforceable
letter enclosing copy documents as requested
emailed to Niddy - he thinks UE

Thanks for any help ---- 5 down 1 more debt to add - sorry if you are all bored x


Letter received 4th September along with numerous phone calls to which we have not answered....

Letter asks if we can settle account and giving three option
pay a discount price (couple hundred off)
three monthly instalments
six monthly instalments

please call us to arrange .......

what should we do please??
would ideally like the calls to stop

So today 13/03/19 we have received a letter from County Court Business Centre stating it is a claim form. We should reply within 14 days or court proceedings can we pay etc, I am so scared what do I do ???? any advice please

[Joanna Connolly Solicitors]

So today 13/03/19 we have received a letter from County Court Business Centre stating it is a claim form. We should reply within 14 days or court proceedings can we pay etc, I am so scared what do I do ???? any advice please

No need to be scared Floridajen

You've been told that the Barclaycard credit agreement produced in response to your s77-79 CCA Request is unenforceable by Niddy according to your Diary post.

PRA are known to issue claims regardless.

Did they (PRA) send you a Letter of Claim before issuing this claim (my apologies for not reading back through your thread tonight)?

Di

[The Tech Clerk]

Floridajen urgent time is of essence :- send your claim form to Di:-

di@joannaconnollysolicitors.co.uk

[Joanna Connolly Solicitors]

I will send a SAR to Barclaycard should this be via special delivery? could this help with any court action?

Have you received a response from Barclaycard for your SAR?

What is the claim Issue Date (front page top right)? The deadline for filing the Acknowledgment of Service is 19 days from that date and then there will be 33 days from the claim Issue Date for filing your Defence.

The contents of the Barclaycard SAR may well help you.

Di

[Floridajen]

Have you received a response from Barclaycard for your SAR?

What is the claim Issue Date (front page top right)? The deadline for filing the Acknowledgment of Service is 19 days from that date and then there will be 33 days from the claim Issue Date for filing your Defence.

The contents of the Barclaycard SAR may well help you.

Di

Hi Diana, no response from Barclays regarding SAR, the issue claim date is 12th March. What should I do next please. Thanks

[cymruambyth]

H Floridajen, just to say try not to worry about this (always easier said than done) and get in touch with Di as she is the expert in dealing with claims.

[Joanna Connolly Solicitors]

Hi Diana, no response from Barclays regarding SAR, the issue claim date is 12th March. What should I do next please.

As others have said you can email the claim form to me for advice if you like. My email is the same one you've used before

The important thing is to avoid a Default Judgment caused by missing the AOS deadline.

Di

[Floridajen]

As others have said you can email the claim form to me for advice if you like. My email is the same one you've used before

The important thing is to avoid a Default Judgment caused by missing the AOS deadline.

Di

Hi Diana, I have emailed a copy to you have you received it? Many thanks

[Joanna Connolly Solicitors]

Hi Diana, I have emailed a copy to you have you received it?

I'm afraid I haven't received your email.

Di