Hello

BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me.

I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017.

I have not paid any monies toward the debt which had a default registered from 2013 until January 2017.

There have been no default notices recorded after January 2017.

I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in December 2016 to Prac who use BWlegal.

I hope the above is not too confusing, I do want to resolve the issue but is bwlegal entitled to be asking for payments from me?

Look forward to your responses

its what debt buyers do

try and fleece you

so PDE sold Prac the debt in jan 2017.

don't get what you mean by a satisfied default..

if a debt is sold by the original creditor

they will zero the balance and mark it in their books as satisfied

however the balance has been sold on to the debt buyer for 10p=£1

and they will chase you for the full amount owing

you're just lucky they haven't updated the credit files yet.

was this your only PDL?

was your credit file already shot at that period?

dx

Another debt owed to BW - :Sigh:

Have you had a letter of claim by any chance?

Yes.

On my noddle account it shows closed accounts and there is a monthly record of 'D' in a red circle and under the circle it shows 'DF', (Default , when you hover online on the D) . In January the message under D is DA which I am assuming means 'debt assigned'

should be a defaulted date in the debt summary

ignore the calendar markers.

yes there is a date defaulted date from 2013

another IRL claim me thinks?

ok..IRL?

Thank you dx100

I have read the step by step guide.

I think I have to send a dsar to Payday express .

I can let bwlegal know this if they send a letter of claim.

I think my complaint to bwlegal /prac are the delays in letting me know who owns the debt .

That bwlegal/ prac have not recorded defaults on my credit file.

Could one of my arguments in a complaint be that I only pay the value that bwlegal /prac bought the debt for?

id be getting all the details first

dx

Thank you ok, I feel I am on the right track to resolve this.

Debt is owned by PRAC - Being administered by BW Legal

And i wish you all the best to resolve this - Trust me BW legal are not easy to deal with...

Thank you, wasn't sure who the 'original creditor' meant and was thinking it was Payday Express because they are last ones to make a record on my credit file.

PDE are the OC - PRAC bought the debt BW Do their Dirty work on their behalf...

PDE are part of Instant Cash loans... But you would have known this already if you saw the example that i put in the guide ^__^

original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

9/10 it use of letterheads only in the printer

oh and they cant default you

only the original creditor can

other than marking your calendar which is meaningless anyway

deal with the debt owner or the OC for the IRL complaint

original creditor IS who lent you the money

PRAC are a debt buyer

BW Legal are brain dead solicitors for hire

actually they are quite useless in most of what they do.

and you don't deal with them anyway

 

Ohhhhhh BROTHAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA TESTIFYYYYYYYYYYYYYYYYYYYYYYYYYYYY!!!

And that I Can - Im dealing with them at the moment on a fraud case that is still ongoing and oh boy - They truly are Turd Emoji for brains....

I wont wrap you up in all the little intricacies but lets say one of their complaints managers who i will name only as "S" is truly a piece of art...

Thank you, ok I send a dsar to PDE...

Hi hope you can help

I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them?

They have replied with a letter dated 10 days after my sb letter to them as follows:

My current address

Dear xxxxx

Reference : xxxx

I write with regards to your recent correspondence regarding the above referenced account.

Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require is as

follows-

Full name

Date of birth

Previous address and postcode

You can contact us via letter or telephone our office on 0800 877 872 to complete the checks we are required to make, in line with the Data Protection Act 2018.

Upon confirmation of the above details , we will endeavour to respond to your request as soon as possible.

Yours sincerely

xxxxxx

Title of person who sent letter etc.'

The sb letter I sent to PRA group has been retuned together with the letter above in the same envelope.

PRA group called my mobile this morning but I ignored it and didn't answer because the number was unrecognisable at the time. I later googled it and found out that the number calling me was PRA group.

Look forward to your response and thanks in advance.

Dont fall for it. They dont need you to pass any security checks. They just have to check the account to confirm it.

Remember, you havent requested anything. You have informed them of the status of the account.

What was the debt

Did you use their ref number?

The debt is for a short term loan I took out about seven or eight years ago

I used PRA's reference number in the correpondences

File the above and ignore them.....as stated above you haven't requested anything..... you have informed them of the status of the account.

Andy

Thank for all the responses, what if they continue to correspond in the same manner?

Continue to ignore them in the same manner:wink: