Thank you all for all the replies and help I received. I've followed your advise and sent the PAP letter back. If anything comes back good or bad I shall post it Thank you

Thanks all for the replies @fkofilee: I had quite a few PDLs back then. Got in a real mess with finances (had a baby, made redundant and eventualy evicted from a rented flat lol) All of this around 2012 (the world was supposed to end or something... almost did) I've stopped paying back all PDLs and ignored pretty much all the rubbish they've sent me. This one looked scary though as I know BW Loonies do take people to court so I panicked a bit. I know I could start fighting back and claiming the moeny I paid but now I just want all of this to be over. Debts SBed, written off... gone from my CF (not many left and all to be gone this year) Waiting for Claim Form from the Courts is an option as it may buy some extra time but is it worth it... It's a same reply/defense as PAP Thanks

Great Stuff DX! THank you very much. Should I print off the PAP form, fill and send it to BW asap? The deadline is tomorrow, they won't receive it by then. There's also an option to do it online (according to their letters) but I'd rather not use as don't want to give too much information out. If I decline the debt because it's SB should I request more paperwork (to buy some more time?) or just go bluntly "Statue Barred" as a reason Thanks DX

Hi DX. My last payment to PDUK was on the 29th of May 2012. I though SB clock starts from the Deafult date? Appologies for missing upload rules. Clock is ticking, i can hear it Thanks

Hi DX ! Thanks for quick reply I'm not sure when my last payment happened but from my noddle report looks as it was 01/08/12 ??? Hope it makes sense. Thank you

Greetings my fellow Acting Consumers Have just come back from holiday only to find this letter (attached). Went through all of it and started to panic a bit. Been reading CAG since morning and I'm not sure how to go about this letter. It's a Letter of Claim issued by BW Legal on behalf of PRAC for a PDL i took back in 2012. I know I'am suppose to action it but after spending all day reading I just don't know how to. (too much information). I do not have time to digest all that info as the deadline for response is 21/08 (tomorrow). I'm guessing if I fail to respond on time, the next letter will be a Court Claim? I had a look at my credit file and the Default date for this loan was 01/11/2012 I am literally months away being Statue Barred on this account Is there anything I can do NOW to get out of this mess. Possibly delay any proceedings for few months or Claim back from PDUK for irresponsible lending. I was in a big trouble back then when I took this loan, stuck in payday loan loop with multiple PDL's. Any help or advise would be much appreciated. Thank you