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. #21
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    Default Re: PRAC / Bw Legal payday loan

    I wouldn't be bother with any SARicon's
    nor telling them anything about why you needed the money
    none of their business you gambled it anyway

    just send every one of 'em an IRL claim
    they can be identical with simply just a company name change.

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  2. #22
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    Default Re: PRAC / Bw Legal payday loan

    After reading the PDL reclaim guide i thought it was beneficial to mention a gambling problem to show that they have lent the money irresponsibly after not checking my bank statements and credit file.


  3. #23
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    Default Re: PRAC / Bw Legal payday loan

    Quote Originally Posted by ricky balboa View Post
    After reading the PDL reclaim guide i thought it was beneficial to mention a gambling problem to show that they have lent the money irresponsibly after not checking my bank statements and credit file.
    Spot on - Evidence is key for you to win this one with PDUK
    IF you can SARicon your Bank where the loans were paid into - this could be very useful.


  4. #24
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    Default Re: PRAC / Bw Legal payday loan

    I honestly didnt realise it was that bad... Think it might be time to push on with IRL claims?
    Honestly though - Choice is yours to SARicon - I would - DX says no but you must get the bank statements from the bank if possible. This will strengthen your claim significantly.


  5. #25
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    Default Re: PRAC / Bw Legal payday loan

    What i don't understand is, if i start contacting the pdl companies will i not be resetting SB's on some of them?
    Also is there any relevance between them having no or unenforceable cca's and me telling them they have lent to me irresponsibly, thereby admitting the loans?


  6. #26
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    Default Re: PRAC / Bw Legal payday loan

    For me - Any loans prior to regulation will be very difficult to get a CCJ on - They were loaded with unfair charges (Excessive)
    Its up to you on this one. If you get the evidence then it should help.

    We dont condone debt avoidance at CAGicon but at the same time we do enjoy helping people see the errors in DCAs ways


  7. #27
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    Default Re: PRAC / Bw Legal payday loan

    I would pretty much not worry about enforceability or anything like that.
    as FK points too, your situation is very easy to understand
    and its pretty much given that all your loans will be subject to a successful IRL claims.

    what I was getting at above was that its for them to have searched you and your spending and your credit file before any lending...
    .. given that they didn't, why tell them anything now..

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  8. #28
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    Default Re: PRAC / Bw Legal payday loan

    Completely right - Remember the onus is on them to prove a debt - its also on them to prove they did "Rigorous" checks - Oh boy did they fail on these pre-2015
    Just read all the misery that these loans caused... Even worse you were affected by it. They lent to you... Allowed you to gamble with the money.


  9. #29
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    Default Re: PRAC / Bw Legal payday loan

    I have drafted a nearly completed IRL claim letter to paydayuk which i have attached. I will fill in my details before i send it.
    I had at least one other debt with Instant cash loans ltd i believe, which was with payday express for around 1000. Im not sure i have all the details of this loan to hand.
    Am i right to believe some people are phoning the pdl companies for details/statements of their debts if they are unsure of the details?
    I am also sending a SARicon to my old bank so i can check statements for relevant information.

    I will send this off tomorrow to pduk and then send the pap to bw legal in a weeks time.
    The pap will mention the CCA Requesticon and the irl claim.

    thanks again for your help, its good to feel in a little control.


  10. #30
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    Default Re: PRAC / Bw Legal payday loan

    Hi, Is the drafted letter in the previous post ok to send?

    many thanks for any advice.


  11. #31
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    Default Re: PRAC / Bw Legal payday loan

    Hi Ricky

    Slipped my mind. I think its good to send. Make sure you include all information and that it makes grammatical sense
    We suggest drafting your own and not using the template as perse, but you can use a lot of it to draft your own


  12. #32
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    Default Re: PRAC / Bw Legal payday loan

    I have rewritten the letter (attached) so it doesn't look so much of an existing template. I have also included what i would like from the outcome of this loan.
    ie. removed from my credit file and debt written off.
    I guess if they agree to this, it will mean that PRAC/BW legal would be in a weak position regarding the legality of the loan they are pursuing?

    thanks for any advice in advance.

    Attached Files

  13. #33
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    Default Re: PRAC / Bw Legal payday loan

    Hi Ricky

    Letter is okay to send. However as far as you are concerned they have written off the balance from ICL and have sold it to BW Legal. They may either recall the debt or give you a refund etc...
    Go with it, might be slow but lets get this done

    BTW the letter that was sent to you on the 7th NOV estimates costs... BW LEgal would have a clear knowledge of their costs for Legal Action - Stupid MFs.. Also the letter is very generic and doesnt state the type of account it was... Neither does it explain where a copy of the agreement can be sought from..

    Anyway aside of all that... Get the letter sent / emailed to them and then lets see what happens with Broken Whiney Not So LEgal...


  14. #34
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    Default

    I have received the following attached cca from PRAC. On page 2 where it says "signature of debtor" , next to it is just my surname in typed capital letters.

    Are there any obvious issues with this cca?

    I have sent my irl claim off to paydayuk and am awaiting a response.

    I need to send off my response to my claim letter from Bwlegal within the next couple of days.

    Here is the merged PDFicon file with the cca returned from Bw legal.

    They have been trying to contact me with a text and a phone callicon/voicemail.
    They would like to discuss the case.

    Attached Files

  15. #35
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    Default Re: PRAC / Bw Legal payday loan

    I have been going over my pap ready to return it as i have until the 28/11.

    I am going to fill in BOX D I dispute this debt because..... I have an "irresponsible lending claim with the original creditor PDUK which i am awaiting an answer from" .

    Should i be supplying proof of this claim, or wait for now ?
    I have been searching CAGicon and haven't been able to find other examples of people filling in pap forms, so i am unsure of the following:-
    1) Is the cca that prac have sent me credible or do i have any other dispute with prac/bwlegal?
    2) Should i be providing any documents as i can see what i would send?
    3) Are there any documents i should be requesting, as i believe this is being covered by my irl claim with the oc. ?
    Is there any more information i could ask prac/bwlegal for?

    On a separate note, when/if does this thread get moved to the financial legal issues?

    many thanks for any advice as on one hand i'm learning and receiving great advice but on the other, i'm getting nervous now that this will end up in court or Mediationicon at best.

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  16. #36
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    Default Re: PRAC / Bw Legal payday loan

    post 23 here
    https://www.consumeractiongroup.co.u...ap#post5077179

    cross out in the list of docs what they have already complied with

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  17. #37
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    Default Re: PRAC / Bw Legal payday loan

    Seems a little short for a CCA but just my opinion.
    If making Crackpot Legal aware under PAP of a complaint. Do not tell them why you are complaining, just say you have raised a formal complaint with the OC.
    Follow DXs advice on this one.


  18. #38
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    Default Re: PRAC / Bw Legal payday loan

    Ricky - one other thing.
    Ive attached something to give you some idea of the idiots you are dealing with at BW Legal

    See how many errors you can spot in my attachment...
    One glaring error makes this calculation completely incorrect...

    Attached Files

  19. #39
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    Default Re: PRAC / Bw Legal payday loan

    I can see that they have doubled up on many days to add interest twice on the same day, but are also missing days.
    Is there something else i'm missing?


  20. #40
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    Default Re: PRAC / Bw Legal payday loan

    They have stated that i was "Paid" 452.20 as loan capital. The interest on that amount while the same (Interest Percentage) would be different amount of interest being added every day.
    Makes the whole calculation incorrect... So instead of 2.20 being added - It would be 2.xx instead / 3.xx instead.

    They may use these documents in a claim against me in the future for this fraudulent loan... But they wont get very far.



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