Jump to content


PRAC / BW PAPLOC now Claimform - old Paydayuk PDL


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1449 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i have been repaying Payday UK at £50.00 per month,

took out i loan for £380.00 and so far repaid £250.00 leaving the sum of £130.00 to clear the loan of £380.00.

 

they state they want £405.00 now and had this email below from Debt Collection Company :

 

Dear Mr ,

 

 

Creditor: MEM Consumer Finance Ltd (Payday UK)

Reference: ************

 

We have been instructed by the above to collect your unpaid MEM Consumer Finance Ltd (Payday UK) account.

 

This is your last opportunity to prevent your credit rating being adversely affected.

 

To pay your account in full please visit www.equidebt.co.uk or alternatively call Equidebt Limited on 01789 472 182 between 8.00am and 8.00pm Mon - Thurs, 8.00am - 6.00pm Friday or 8.00am - 1.00pm on Saturday.

 

Yours sincerely,

 

Equidebt Limited

WHEN LEAVING MESSAGES WE MAY REFER TO OURSELVES AS EQL

 

Lucky i looked in my spam file and this email was their, strange thing as i have emailed Payday UK regarding the outstanding and had no reply nor anything in writing, just this email. I have stated i willrepay the loan of £380.00 plus month fee and thats all, what next as the debt collector state they are adding fees on top of the outstanding, just a joke and buch of clowns. Trying to repay and just get no reply

 

Any Thoughs what to do next

Link to post
Share on other sites

  • Replies 98
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Payday uk are one of the worse!!! I set up a repayment plan for £50pm with the citizens advice and yep they took £635 on the first

Month instead of £50 and after 3 months no body still

Cares, the bank not do anything no one

Will so if I was u, let it go

To a crappy dca then pay them £5 a month or

Something

Link to post
Share on other sites

  • 2 weeks later...

Hi All,

well Equidebt have emailed me relating to the payday uk loan.

They state i must not pay the lender only them

is this to get their fees .

 

I loaned 380.00 and repaid 250.00 so far

should i repay the 130.00 balance.

Or the full amount 405.00 plus ?????

 

Has anyone had dealings with equidebt or keep paying payday uk directly

Link to post
Share on other sites

My experience with these types of companies, is I continue to pay the lender direct (via standing order) - you do not need to pay eqiedebt directly. As you say, they will probably add fees. In terms of the debt, I would pay the £130 and dispute the rest of it. Let DCA know that you believe you do not owe anything to PDUK once the £130 has been paid.

Link to post
Share on other sites

Well just had a letter frpm Equidebt, staing they demand yep £225.00 ? ,

my only option is the repay in full or £11.25 by debit card followed by monthly payments.

 

Not falling for that one,

quote them card number and just like magic they empty the account.

 

Sending them £130.00 only and thats all their getting.

just getting to double check their bank details.

Link to post
Share on other sites

  • 4 years later...

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 their 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 barred and are all debts over this timescale removed from a credit file

Link to post
Share on other sites

  • 8 months later...

irresponsible lending?

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

  • 8 months later...

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

Link to post
Share on other sites

they cant issue a CCJ

you mean a claimform.

 

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

 

you need to follow as

here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

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... 

Link to post
Share on other sites

no!

you must reply if its a letter of claim

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

have they sent you this:

PAP blank reply form.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

then you must reply

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

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.

Link to post
Share on other sites

then its not SB'd……………

 

post up your reply 1st here

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

Just subbing 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

Link to post
Share on other sites

  • 1 year later...

We have had a letter today from B W Legal with heading Letter of claim relating to very old debt from 29th November 2013, they have sent emails offering 65% discount etc. they now have given date 23rd November to repay or face action they have enclosed particulars of claim and Annex 1 information sheet, reply form asking for debt points 

 

 Box A - i agree i owe the debt

 

Box B - I owe some of the debt

 

Box C etc to Box G 

 

and requesting income details as well

 

Should we do nothing and wait 

 

Thanks for help 

Link to post
Share on other sites

I will gather this is a PDL of some kind?

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...