The start of default road

fatbelly

That is a claim form from the Bulk centre that commercial firms use.

The issue date is 22 May

Therefore service date is 27 May

You should acknowledge service by 10 June

And put your defence in by 24 June

It's explained on 

https://legalbeagles.info/forums/forum/legal-forums/court-claims-and-issues/received-a-court-claim

The court claim process has started so you must run with it

sourcrates

Yep, its what it says on the tin, a claim form, it should have been accompanied by a defence/response pack as well?

fatbelly

If you just want to accept the debt and make an offer, National Debtline explain the process here

https://www.nationaldebtline.org/fact-sheet-library/replying-to-a-county-court-claim-ew/

DD1A

Is the token option to buy me time out the window now as it’s gone to court claim phase?

DD1A

sourcrates said:

Yep, it’s what it says on the tin, a claim form, it should have been accompanied by a defence/response pack as well?

Yes there is also a response pack with the letter.

I’d like to get more time but I don’t want a ccj

I'm starting to feel this is crunch time now where I get cornered to either make an agreement or receive judgment?

How long can one keep payments to nil?

sourcrates

Just just got unlucky with this one, court action is rare, per volume of debt, but does happen.

Looking back through this thread, did you not receive an LBA (letter before action) in the post before this?

I see you got an email, did you not get a letter with a 30day return window?

You will get a judgement now unless you can convince the court otherwise, the creditor appears to not have followed civil procedure rules in this case, have you followed fatbellys link to legal beagles?

fatbelly

Agree that this is unusual. There doesn't seem a reason why they would start a court claim so soon after the default.

freshstart2023

Sorry this has happened, I’m worrying myself now as also have a debt to Barclaycard/PRA that defaulted around the same time. Following with interest. 

sourcrates

If the debt has defaulted, and also sold, that`s when potential legal action becomes a real prospect, if you keep ignoring debt purchasing companies such as PRA, then its at your own risk.

We only advise ignoring original creditors, or companies acting as collectors, as the former nearly always sell or assign their bad debts, and the latter can`t take legal action as they are not the owners.

freshstart2023

Thanks for explaining that sourcrates, much appreciated. Don’t want to hijack anyone’s else’s thread but if I could ask a quick question in relation to barclaycard/PRA and the best way to avoid the action above. I sent a CCA request to PRA in January for a Barclaycard debt that defaulted in September. I received an initial acknowledgement to my request but have received nothing at all since. Should I just wait…or ask them for an update?