Hi

I went through a bad patch in my life when I lost my job in 2012 and

became desperate

could not find any work

government couldn't be bothered to help

and with having a new baby at the time

I needed money to feed us all and I stupidly turned to loans I knew I couldn't afford

now working for virgin

been there 4 years

I got myself straight

thought I'd settled all my loans and started fresh

I received this letter a few weeks ago off a company called BW Legal for a payday loan back in 2013 for the amount of 179 pound plus 50 pound I know nothing about

after emailing them numerous times to try set up a 75 pound a month payment plan

I've had no answers out of these people

but they continue to pester with threats of court action if I don't settle the debt within 14 days.

I get the impression these people arnt interested unless I'm throwing the full 179 pound to them

As I've had no reply out of them and I refuse to call them what's the next step

Learned my lesson now once this is settled I'll be debt free ����

Thanks guys

If you want to pay it off, write to them saying that you have emailed them a number of times and they have not bothered to respond. Ask them for a statement of account from the original creditors and details of the payment options available. Send either standard recorded delivery or at least get proof of sending it at post office counters.

who was the PDL with?

and who are BW's named client.?

I wouldn't go blindly paying anyone anything on any debt

until they have proved they hold the legal paperwork to demand anything from you

a DCA or their fake/tame solicitor ARE NOT BAILIFFS!!

and have NO SUCH LEGAL POWERS

If BW Legal have it, suspect this is a PRAC Financial - The Money Shop etc loan.

I am yet to see if they take any legal action against on the debts they have bought. PRAC is just a shell company too...

As you have made a mention... Take a look at my signature and see if any of it applies to you.