Court claim form received

2babyboys

Hello all,

I am in my final year of a bunch of defaults.  I had a Lloyds credit card that was sold to PRA and the default fell off in July.  The debt was unenforceable for many years as they couldn’t send me the CCA but recently they have provided one and have sent me a county court claim form.  Not sure how to proceed.  The debt is around £2k and I’ve recently been made redundant.  Should I offer a reduced settlement or a monthly payment?  Any advice would be appreciated, thanks

Grumpelstiltskin

When did you last pay it?

2babyboys

Hi, I’d say 2018…but I have corresponded in between thanks

Grumpelstiltskin

Once there is 6 years from your last payment ( assuming you live in England or Wales) then the debt is statute barred. My guess is it is approaching 6 years and PRA are trying to get a Court Order before it is too late.

sourcrates

2babyboys said:

Hi, I’d say 2018…but I have corresponded in between thanks

What correspondence have you made, have you specifically mentioned this debt in writing???

You should acknowledge service online, it gives you 28 days to defend the claim.

If you are not working, then make sure all the forms are filled in correctly, a court may not allow you to pay anything if no regular income.

Of course depending on your answer to my question, as the default dropped off in July, cause of action date is 6 years from date of default, not last payment, so depending on what was said, it could now be statute barred.

2babyboys

hi, thanks for the replies.  I have definitely referred to the debt in writing when requesting the CCA.  

sourcrates

Go with the court process then, make certain you say you were recently made redundant.

Don`t make promises you can`t keep, make any figures you give real.