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)


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  1. #41
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    Default Re: PRAC / Bw Legal payday loan

    Anyway the point im making is BW Legal really a lot of the time dont know what they are doing so... Just take it from me that these companies will bully you around but stand your ground...


  2. #42
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    Default Re: PRAC / Bw Legal payday loan

    Hi Ricky

    Any update on this?


  3. #43
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    Default Re: PRAC / Bw Legal payday loan

    Hi fkofilee,

    Apologies for the late reply. I was waiting for a chance to give a detailed reply of where i now am with this situation.

    I had a letter from BWlegal dated the 21/11/17 . It says that the file has been placed on hold whilst we query the matter with their client. They say that they will contact me within approximately 30 days.

    I then had a letter from PAYDAYUK dated 22/11/17 . This basically states that they are sorry i am dissatisfied with their service and they will get back to me within 8 weeks. This is a reply to the irl letter i sent them.

    A letter dated the 30/11/17 from Bwlegal is the same as the one i had on the 21/11/17.

    I had an email from PDUK on 5/12/17 with a final responseicon from the irl claim. They rejected the claim and told me i have 6 months to complain to the financial Ombudsmanicon. I will enclose the letter in the next post.

    19/12/17 there was a letter from bwlegal which was an annual statement which doesn't give any extra information other than saying the balance is 516

    29/12/17 a letter from bwlegal states that they are still awaiting a response from their client and the file is still on hold.

    I have heard nothing since. I have received my bank statements from my previous bank with all the payday loanicon and gambling transactions on them which i can use to show the financial ombudsman.
    I guess the next thing i have to do is send the irl claim to them with evidence to backup my claim?

    I have checked my credit file and the debt shows up in defaulted accounts. It has a balance of 0 which was last updated in 8/1/17. It says the debt was assigned:- The lender has sold the debt to another member of our information-sharing scheme. The old account will have been closed and a new active account will show in the name of the lender who has bought the debt. But it doesn't show up anywhere else.

    I have been too relaxed on this matter over the last couple of months and know if i need to reply to the financial ob it has to be done within the next month or so. Do you think they maybe waiting for this time to elapse before they pursue the matter?
    Can they just restart the court claim at any point in time as they haven't replied to my pap requests at all?

    thanks for any advice

    ricky


  4. #44
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    Default Re: PRAC / Bw Legal payday loan

    they could but it wont look good on them.

    off to the fosicon send them everything!!

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  5. #45
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    Default Re: PRAC / Bw Legal payday loan

    Sending it to the fosicon will keep the file on hold - I have a case with the FOS and BW Legal - They shouldnt do court as if they try - The judge will rule partially that the firm has failed PAP -

    PAP concludes that if the issue can be resolved by an ADR (FOS in this case) then it should be. If they take legal action while you go to ADR then they would be laughed out the court...


  6. #46
    Basic Account Holder
    Do you record your calls?
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    ricky balboa Novitiate



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    Default Re: PRAC / Bw Legal payday loan

    Here is the pduk response to the irl claim.

    Attached Files

  7. #47
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    Default Re: PRAC / Bw Legal payday loan

    Hmmm push on with the fosicon as long as you have the evidence you require


  8. #48
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    ricky balboa Novitiate



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    Default Re: PRAC / Bw Legal payday loan

    thanks, i will post up my letter before sending it and let you know what i am sending them as evidence (ie bank statements)



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