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Many thanks for your recent contact.

 

*

 

This account currently has no sums due or payable. Therefore, we have no current obligation to provide a statement of account under Section 77 of the Consumer Credit Act as per Subsection (3) of Section 77 which states that the requirement under “Subsection (1) does not apply to – (a) an agreement under which no sum is, or will or may become payable by the debtor.”

 

*

 

Kind Regards,

 

*

 

Customer Assistance

*

 

Payday Express

 

PO Box 255,

 

Bicester,

 

Oxfordshire,

 

OX26 4ZY

 

*

 

i not sure if I'm posting this correctly however I'm looking for some advice i received this email this morning and was wondering how i should proceed

thanks

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you need to start a new thread

of your OWN please

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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And this one from payday UK.

 

 

Many thanks for your recent contact.

 

The business has made the decision that when accounts reach a certain stage within the Collections journey; they may be sold to a third party company for collection. Going forward, your account will be owned by PRAC Financial Limited and will be managed by BW Legal.

 

We would advise that you contact BW Legal in regards to your account and Statement of Account request. You can call them on*01133 234497, you can email them at*[email protected]*or alternatively, you can write to them at:

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well you DONT !!

a DCA IS NOT A BAILIFF!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You are entitled to a full summary of all loans taken in the last 6 years. This is usual spiel from PDE - PDUK are also under the same umbrella.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi all I sent them an email regarding irresponsible lending and asking for a copy of the loans I had from them

 

This is what I sent to a few companies

 

*I am making a complaint to you about irresponsible lending. To help me explain the details, I would like a list of my loans, showing when they were taken out and how much was repaid when. Please note that I am asking for a Statement of my Account with you, not making a Subject Access Request

 

Posts moved to a new thread for you. Please post here.

Lady... what are you trying to do ?

 

 

 

Thank you, I am trying to see if I can claim a refund from several payday lenders

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i'd just be sending an IR complaint to each

let them do the paperwork.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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CAG Guide To PDL Reclaims

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Not good enough im afraid.... I need to know how bad it is :)

So go and get statements from all the companies, and if need be send a DSAR.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Loan ID Date issued Loan amount Normal interest Total paid Original due date Date paid

1545975 05/05/2014 £100.00 £20.00 £120.00 23/05/2014 21/05/2014

1561877 21/05/2014 £100.00 £20.00 £120.00 08/06/2014 03/06/2014

1573572 03/06/2014 £200.00 £40.00 £240.00 21/06/2014 17/06/2014

1587156 17/06/2014 £200.00 £40.00 £240.00 05/07/2014 01/07/2014

1598812 01/07/2014 £200.00 £40.00 £240.00 19/07/2014 15/07/2014

1610369 15/07/2014 £200.00 £40.00 £240.00 02/08/2014 29/07/2014

1620453 29/07/2014 £200.00 £40.00 £240.00 16/08/2014 12/08/2014

1631373 12/08/2014 £200.00 £40.00 £240.00 30/08/2014 26/08/2014

1641601 26/08/2014 £100.00 £20.00 £120.00 13/09/2014 09/09/2014

1657126 15/09/2014 £100.00 £20.00 £120.00 03/10/2014 23/09/2014

1662329 23/09/2014 £200.00 £40.00 £240.00 11/10/2014 07/10/2014

1671917 07/10/2014 £200.00 £40.00 £240.00 25/10/2014 21/10/2014

1685789 25/10/2014 £200.00 £40.00 £240.00 12/11/2014 04/11/2014

1692072 04/11/2014 £200.00 £40.00 £240.00 22/11/2014 18/11/2014

1704159 18/11/2014 £200.00 £40.00 £240.00 06/12/2014 02/12/2014

1713259 02/12/2014 £200.00 £124.32 £324.32 27/01/2015 27/01/2015

1743402 27/01/2015 £200.00 £89.60 £289.60 24/03/2015 24/03/2015

1772362 24/03/2015 £150.00 £84.00 £80.00 02/06/2015 Outstanding

 

 

Received this loan summary from my jar, what steps should I take now?

Thanks

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pop that up as a PDF

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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