No CCA after 8 monthd

alianza

I did a cca request on a PRA debt in 2017, they admitted the debt was unenforceable, had odd letter since then always threatening action but never  carrying it out. Although i did recently receive a pre action protocol letter so will wait and see if they have found the original agreements etc,. doubtful as the credit card was originally taken out in 1994 and they had nothing in 2017.

sourcrates

alianza,
You MUST respond to the pre-action letter, if you don`t, they can, and most likely will, obtain judgement by default against you.

The lack of a compliant credit agreement is only an effective defence, if you defend the claim on that basis, if you ignore the court paperwork, and don`t defend the claim, then a judgement by default will be issued.

If you fail to respond, they do not require any evidence to be produced, you must defend court claims.