Hi and thanks for taking the time to reply So ideally . Hang fire for now then start the possibility of . Is it the 3 letter process ? Read about it but not actually done it yet Also which template to use ? Thanks again Dave

Thanks for reply Ignore . Do nothing ? Do i send them a letter requesting anything ? Arange payment plan etc Just trying to sort things realy

Hi just recieved a letter from payday uk Stating account number New reference and balance due Sold to prac finacial limited recently We have not been made aware of any valid reason why the balance has not been paid and PRAC financial limited are now the legal owners of the debt. Prease dorect all payments and corespondence to PRAC Any questions etc contact prac In the same envelope a letter from bw legal Our client PRAC ltd Original creditor payday uk and orginal account number Representing prac. And enclise correspondence confirmibg that our client has aquired the debt you previously owed to instant cash ltd / t/a pay dau uk. We would also like to bring to your atenyion that only our client can now give full discharge of this debt and you should now only contact us about your account Then goes onto payment methods Then great news lol We are delighted that for the next 28 days we can offer you a 10 % discount and your new balance would be £***.**. All you have to do is set up a payment arrangement with us within the next 28 days. Act now as this offer is only available untill 27th march 2017 after which it will no longer be available and the full balance will remain due. If you settle your discounted balance in full our client will update your credit file and your pay day uk account will be marked as settled. If you pay by instalments our client will update your credit file accordingly each month Letter 3 in same envelope Original creditor payday uk Ac number Balance due We are writing to inform you that we have acquired the above bedt from instant cash loans ltd T/a payday uk We enclosed a copy letter from instant cash loans ltd T/a payday uk confirming our ownership of the debt Only prac financial limited may now give valid discharge of this debt but have apointed bw legal services ltd as our representatives By wahy of introduction we are a specialist debt purchaser. We take the aproach that we would prefer to work with you in order to agree a suitable repayment agreement based on your financial circumstances rather than having to take formal action We there fore strongly urge yo to take this oportunity to deal with your outstanding liability by by discussing a suitable repayment with our representatives bw legal who are instructed by us to discuss affordable proposals for repayment with you Any tip , advice on the above ? ( apart from paying as i know thats one way to get rid of this ) Info needed More info from them ? Got quite a bit of money going out at the moment and we are struggling with aby extra debt Any advice aprrciatex and taken on board Thanks Dave

HAnks for reply ..ill look at the CCA and report back .. do i just s3nd to both companies mmf and kapama or leave kapama for now as ive recieved no letter as such yet

Sorry should also have added .. i checked via clear score .. i dont have a debit or credit card so dont think i can get a score from any one else . 3 / 4 year ago in a bit of a mess . Breaking down relationship . Work was getting minimal . Sufferd with depression etc .. all lead to a full break down ... lost everything back then ..now have a new life and happily married . In a different part of england and now just trying to get everything in order . Im self employed . My wife is a full time carer for her oldest son with aspegers .. she has two more and kids and the yougest is 12. Any advice realy apreciated Thanks Dave

Hi wondering if any one can help or advise New to the forum Hi yesterday we randomly recieved a letter from mmf debt purchase and recovery Total balance £628 No idea what this is and nothing to that ammount on my credit file that i can see Buried my head a few year ago .. now trying to get back on track ... Any advice would be great .. think was a payday loan but unsure . Nothing is mentioned in the letter Also the day before Checked on clear score as i do regular and things were improving .. trying to get my score up after years of burying my head .. pay day loans etc .. Today i see a new one Listed as Kapama limited (I) Current balance £936 Opening balance £189 ACCOUNT OPENED 14th March 2014 Had no corrspondence Although i have moved over 2 year now Ok do i contact them ? Which would mean giving current address ? Leave alone ? Reading so much regarding these people and how they trade and cant supply the correct info when requested . Also how can £189 b3come £936 If any one can advise would be great Also i had a previous dept with british gas in 2014... paid now in full towards end of last year but still showing even though it says balance zero ? Should this be marked as a positive Thanks In advance Dave