PRA and County Court business centre

How do I make this go away its very upsetting pra have phoned my wife many many times (how do they get the numbers its a mobile phone and not in the book)it only stopped when I got on the phone and told them to stop because my wife was in a very depressed state as she is a nurse and had spent the last 12 months watching people die.

So they have sent a claim form for the ccbc.

How do I deal with this.

Ta

You have left it far too late, Start by sending a Data Subject Access Request
one each to the Original Creditor and one to PRA, Dont get them mixed up.
You need to read and comply with the Court claim,DO NOT IGNORE IT.

To echo Dave's last sentence - If you've received an actual court claim you need make sure you meet the deadlines firstly to acknowledge service, then to submit your defence.  Missing a deadline will almost certainly give them judgement in default.

That's assuming you want to defend.  Is the debt in your wife's name, and is she up for fighting it?

Altair,

Just to let you know that we do not provide legal advice and the GOODF template letter system is not designed to be a defence in court.

This site is Get Out Of Debt Free (GOODF) and not Get Out Of Court Free

That said, we do have one or two members who might be able to help so hopefully you'll get some help at some point!

First and foremost: get a Subject Access Request over to the original creditor / lender ASAP.

And in order to increase your chances of someone being able to support you, please can you now answer the following questions as concisely and clearly as you can, making sure it is clear which number your answer goes against. If we do not understand your answers, it is unlikely we will be able to help you, as we are sure you will agree. Some questions will not be applicable (simply say “n/a”).

These are a standard set of questions, so apologies if you have already answered but you must answer again below.

Questions:

1) How much is the alleged debt for? Please do not state the exact amount and only round UP to the nearest £1K to protect your identity)
Enter your answer HERE:


2) What type of account is the alleged debt for? loan, credit card, overdraft etc?
Enter your answer HERE:


3) What is the name of the Original Creditor (‘OC’) or Debt Purchaser ('DP') or Debt Collection Agent ('DCA') who is writing to you?

OC: This will be a bank, credit card provider etc.

DP: Either the Original Creditor ('OC' e.g. a bank) or the DP would have told you something along the lines of  "<name of OC> has sold your account to <name of DP>" OR "name of DP> have bought your account from <name of OC>". This would confirm that you are dealing with a DP.

DCA: Usually a DP or even an OC will say something along the lines of "<name of DCA> will be acting on our behalf / please direct your correspondence to <name of DCA>". This will help you determine if you are currently dealing with a DCA rather than a DP.

Enter your answer HERE


4) DP and DCA only: list ALL documents (if any) that you have ever received from the claimant (i.e. the DP or DCA) that they say evidences their claim.
Enter your answer HERE:


5) Once the alleged debt defaulted (i.e. when you received a Default Notice from the credit card or loan provider) have you EVER made a payment for as little as a penny since?
Enter your answer HERE:


6) Have you ever, in writing, acknowledged that the (alleged) debt exists / that you owe a debt?
Enter your answer HERE:


7) On what date was the (ORIGINAL) Default Notice issued? ONLY state the month and year NOT the DAY. If you don't have this information, check a credit reference agency e.g. Clear Score (which is free) and locate the account against either the OC or Debt Purchaser and on there you'll find the 'Default End Date' e.g. January 2019.
Enter your answer HERE:


8 ) Have you sent a Subject Access Request (SAR) to the Original Creditor (OC) i.e. the company which first issued the loan, credit card, or overdraft? E.g. HSBC or MBNA.
Enter your answer HERE:


Thank you.