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
    Basic Account Holder ricky balboa Novitiate



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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
    Basic Account Holder ricky balboa Novitiate



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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
    Basic Account Holder ricky balboa Novitiate



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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
    Basic Account Holder ricky balboa Novitiate



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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 templateicon as perse, but you can use a lot of it to draft your own


  12. #32
    Basic Account Holder ricky balboa Novitiate



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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 templateicon. 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...



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