Get in touch with us, we want to help. Our Investigations & Litigation Team works with our customers and the Courts during any legal proceedings. This is always a last resort for us and we want to work with you to come to a resolution on your account.
I have received a letter before claim. What do I need to do?
Contact us so we can work with you towards a resolution on your account. A letter before claim lets you know that if you do not respond, court proceedings may commence, which could result in a County Court Judgment (CCJ) being registered against you and your outstanding balance being increased with fees & charges. We would prefer to speak to you to avoid taking this next step.
Will PRA Group take me to court?
A County Court Judgment (CCJ) is a type of court order in England, Wales and Northern Ireland that might be registered against you if you fail to repay a debt. In Scotland, the process is called a Decree.
Will PRA Group carry out any further action after obtaining a Judgment?
This may happen in a small number of cases when we haven’t been able to come to an agreed way forward with a customer. PRA Group may enforce a Judgment using the courts. The types of enforcement options which may be used are:
1: A Warrant of Control – A bailiff is requested to contact and visit the Customer. If a reasonable repayment offer cannot be agreed then as a last resort the Bailiff may take items of property to be auctioned to make payments towards the Judgment amount;
2: An Attachment of Earnings – Here the courts will look at the customer Income and expenditure and will order a reasonable payment deduction directly from a customer wages informing the customer’s employer of the Judgment amount; and
3: A Charging Order – the Court make an order that the Judgment amount is secure against a customer’s property. If the property is sold or mortgaged then the Judgment amount is paid directly from the proceeds of the sale.
Does the process work differently in Scotland?
Yes, in Scotland if there is no response to the ‘letter before claim’ a Writ or a Summons (the claim) will be sent to the Sheriff Court. You have the option to respond to the claim by admitting (agreeing with all or part of the balance) or defending (disagreeing with the balance) the claim once you have received the Court papers.
Does the process work differently in Northern Ireland?
Yes, in Northern Ireland if there is no response to the ‘letter before claim’ a Civil bill (the claim) will be sent to the Court. You have the option to respond to the claim by admitting (agreeing with all or part of the balance) or defending (disagreeing with the balance) the claim once you have received the Court papers.