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afrokid

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  1. Hi, Last year around June I received a letter from BW Legal (on behalf of PRAC Financials) over a payday loan debt of £305.74 owed to PayDay UK. This letter came in the form of a claim form for me to complete. Following advice I found on this forum as well as online, I completed the form by ticking the ‘need more information checkbox’, requested for proof, contract signed etc as well as a CCA request with the required £1 postal order. BW Legal then replied to this and the CCA request by telling me they would get back to me in 30 days. 6 weeks later, another letter was received indicating to me that they were unable to get into contact with PRAC financials and they would be in contact as soon as possible. I haven’t heard from BW Legal for nearly 6 months until the beginning of this year. Now, I have received a letter offering 20% of the debt (if I agree by the 9th of this month), and if I don’t they would proceed court proceedings. They have completely ignored our previous communications and weirdly it seems that they have put the £1 postal order as a payment made towards the amount owed? (A second sheet was a balance sheet 7th December 2017 - 7th December 2018 and it shows the postal order was a subtraction from the total debt). What is my best approach to take from this? I have kept all letters and communications to and from, aside from the last letter indicating PRAC didn’t get back to BW Legal in time which I have seemingly misplaced. Thanks,
  2. Nope i didnt recieve any contact of any sort or indication from 118 118
  3. Hi All, I took out an unsecured loan with 118118Money late 2016. The terms was that I would pay £80 per month for 2 years, due to end this year December. I had a direct debit with 118118Money which they took monthly. Admittedly, I have missed a payment a couple of times, but this was always resolved with a payment plan with 118. The last time I did this with them was January, as I missed one payment thanks to Xmas. So, the agreement was I would pay £120 on February and again on March (so my regular £80 per month + half of the missed payment for 2 months). 118118 Money went ahead with the agreement, and then my payments reverted back to normal and they took £80 on April. However, on the 25th May (the day of GDPR coincidentally), 118118 "write-off" my balance (I was unaware until yesterday as I had a DD set up with them). Then, I received a notification that my credit file had a new alteration. I looked into this to find that 118118 Money defaulted my account for the end of MARCH, and now sold my account to a company called Lowell (which state I have missed a payment this month?). I haven't contacted them yet but I thought I would first ask for opinions on what I should do here as I don't feel that default is justified or fair. I paid 118118Money both in March (when the default date is set) and April, I was not contacted at all about any payment issues or being behind, and at the time this happened I was up to date with my payments. I never received a default warning or anything of the sort, and I have not received anything of a notification that my account was sold to Lowell. This default has obviously affected my credit file now and I would like to hopefully somehow get it removed if possible as I feel this was genuinely unfair and I do not believe it meets their required practices. Thanks, Kieren
  4. It was a letter before claim and not an actual claim letter, should I still complete this? Sorry newbie here :/
  5. It was a letter before claim, came in a branded BW Legal letter.
  6. Hey all, I received a letter from BW Legal last month in the form of a "letter of claim". The letter stated that they where acting on behalf of their client Parc Financial's, who bought the debt from PD UK I am given until the 13th July 2018 to reply to the letter. If i didn't pay or set arrangement to make payments for the balance of £206.74, I could occur additional fee's such as interest, court and solicitor fee's making the balance £306. The particulars of the debt stated that I entered an agreement with PD UK on the 28th June 2013, prior to being purchased by Parc Financials on the 9th December 2016. Because of how long ago this was, I am unsure if i did receive a letter / notification of this at the time, but I do not believe i did. No other supporting documents or as such were provided with this letter, only a reply form. According to my credit report, I defaulted with PDUK on the 01/02/2014. I also noted an open account for Parc financial for the same amount. Interestingly enough, I dag through my old email that i used at the time which I couldn't trace any contact from PDUK regarding the debt or notifying me of it being sold. However, I did find an email from BW Legal on the 5/3/2017 as a "Final Request For Payment" and another email on the 7/12/2017 as a "letter of claim". The difference between the two is that the earlier said "may" and the letter received last month says "will". It is worth mentioning I do not remember the debt amount though I know I did borrow money from PDUK It was such a long time ago when I was 18-19 years old, unemployed and had a CCJ at the time from Wonga (stupid young mistakes eh). What would be my best course of action? Seeing as so many people seem to be in or faced the same situation as am I. Thanks in advance
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