Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 16 of 16
  1. #1
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    Default Payday Uk debt Sold to PRAC & BW Legal

    My wife has just had 3 letters today:

    Letter 1 from Payday Uk stating they have now sold the debt to PRAC Financial Ltd on 9th December 2016, giving a formal notice of assignment of the debt

    Letter 2 from PRAC financial stating they now own the debt of 349.77 & B W Legal will be acting as there Agent.

    Letter 3 From B W Legal stating as the agent for PRAC they are demanding full payment of a debt which was 100.00 and is over 5 years old.

    If this debt is over the 6 years is it classed as statute barredicon and are all debts over this timescale removed from a credit file


  2. #2
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    Default Payday Uk debt Sold to PRAC & BW Legal

    well another letter today headed " letter of claimicon " according to my emails the debt relates to old debt from Jan 2013, BW Legal now chasing this debt was thinking of sending letter requesting original copies as i cannot recall the actual debt


  3. #3

    Default Payday Uk debt Sold to PRAC & BW Legal

    irresponsible lending?


  4. #4
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    Default Payday Uk debt Sold to PRAC & BW Legal

    Well had a letter today stated " Letter of Claim " 5 pages in total. They have confirmed if we do not reply by 6th August they will apply to the court for CCJ, they are asking for income details and the following


    Letter Reply form

    Box A - I agree to the debt
    Box B - i owe some of the debt
    Box C - I don`t know about the debt
    Box D - I dispute the debt
    Box E - I will pay the debt now
    Box F - I will pay but need time to pay
    Box G - Getting advice
    Box H - I have provided documents
    Box I - I need more documents or information

    Lists Particulars of Debt

    Debt dated 29th November 2013 assigned on 9th December 2016 to PRAC Financial

    My question is should we wait until they issue court CCJ or send off for more information including signed paperwork etc


  5. #5

    Default Payday Uk debt Sold to PRAC & BW Legal

    they cant issue a CCJ
    you mean a claimformicon.

    and it doesn't say WILL anywhere go read it properly!!


  6. #6

    Default Payday Uk debt Sold to PRAC & BW Legal

    you need to follow as post 4 here
    https://www.consumeractiongroup.co.u....-1st-Oct-2017
    dx


  7. #7
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    Default Payday Uk debt Sold to PRAC & BW Legal

    Rule 1 read the letter correctly, same letter as 2017 so will file with the other paperwork

    Many Thanks


  8. #8

    Default Payday Uk debt Sold to PRAC & BW Legal

    no!
    you must follow post 6 IF that's what you got
    check the attachment in post 4 there
    is that what they have sent as well?


  9. #9
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    Default Payday Uk debt Sold to PRAC & BW Legal

    The details from post 4 are the same as last years letter. Its not from the court as the letter water mark is from B W Legal


  10. #10

    Default Payday Uk debt Sold to PRAC & BW Legal

    have they sent you this:

    Attached Files Attached Files

  11. #11
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    Default Payday Uk debt Sold to PRAC & BW Legal

    yes that`s the letter they have sent.


  12. #12

    Default Payday Uk debt Sold to PRAC & BW Legal

    then as post 8.....


  13. #13
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    Default Payday Uk debt Sold to PRAC & BW Legal

    ok thanks

    will send off paperwork and see if they reply,

    strange as they have not chased for along time was hoping it was SB account.

    Thinking back it was not repaid and dates back to Nov 13.


  14. #14

    Default Payday Uk debt Sold to PRAC & BW Legal

    then its not SB'd……………

    post up your reply 1st here


  15. #15
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    Default Payday Uk debt Sold to PRAC & BW Legal

    Ok, Will post over the weekend

    Cheers


  16. #16

    Default Payday Uk debt Sold to PRAC & BW Legal

    Just subbingicon your post, I have had the same.

    They say my agreement is dated * 2014 and yet I have had no credits to my bank account at all from Payday during 2014.

    I am going to ask what bank account they paid into and on what date.

    Check your bank account as well.

    Surely, if your agreement is dated whatever you requested a loan from them on that date and you would have received monies from them


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