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PRAC/BW claimform - my 2nd case - Fraudulant Payday UK PDL


josborn
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You shouldnt be made to drop through hoops to prove this debt isnt yours.

They have to do all the legwork to prove it is yours!!!

 

We could do with some help from you.

 

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**Fko-Filee**

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i'd simply refer the idiots to the already running action fraud ref no..

all that's all.

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... 

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sorry jos I reduced the size of your uploads and the letter seems to have missed the conversion

can you upload that again please

 

as for you letter

simply state thank you for your letter dated dddd contents of which are noted.

 

for your ref the matter is already in the hands of action fraud under case ref number...

 

that's all you need to put.

 

or you simply ignore and refer to such in your witness statement IF the case gets that far...

 

 

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... 

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Share on other sites

missing upload restored.

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... 

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  • 3 months later...

Hi,

 

sorry I have just seen that last message. I didn't ignore you on purpose.

 

I sent that letter and nothing changed.

I am still going to court next month.

 

I am just typing up my defence statement to send off.

 

Going through the paperwork I realise I have never received a letter from PayDay UK saying that they have sold the debt to PRAC.

Should I mention this in my statement saying that for all I know I don't owe the money to PRAC?

I am really trying to get a good defence typed up.

 

I am dreading this one after last time.

 

TIA

Edited by dx100uk
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you mean witness statement?

what date is your hearing

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... 

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Share on other sites

The court and the claimants sols must have it by 6th

best to get it posted Friday week

 

should be a walk in the park esp as its subject to fraud.

did you get any concrete written evidence of this for your exhibits?

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

Should I mention that they have not given me confirmation that they actually bought this debt from PayDay UK?

 

For my evidence I have a print out of the form I filled in for Action Fraud and a confirmation case number.

 

I have also included copies of my bank statement for the time the loan was given showing that it has not gone into my bank account. Should I add anything else?

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basically do the same as for that BW one.

address proof etc etc

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

pop it up so andy can look it over first

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... 

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Share on other sites

  • 3 weeks later...

I have just gotten back from court. It was worse this time than it was the last time.

 

They tried everything on again, they said that it should be found in their favour because I hadn't physically signed my witness statement, I had not given them the exhibits, I had not provided any evidence to show it was not my account!

However, the Judge has adjourned the case.

 

It came down to whether the bank account that the money was paid into was mine or not.

The Judge has sent a request to Natwest for information on the account.

She said that if the account is in my name I will lose this case and it will be referred criminally.

 

I am so stressed out right now.

It is not my bank account, but what if the name on the account is mine?

I already know that there have been credit cards and loans taken out in my name.

Edited by dx100uk
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Did you provide an actionfraud reference etc? Also do you have any other evidence to back up the info etc?

Did they provide info on the SC / ACC Number that was used for the loan?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Yes I had a print out of a screen shot of what I put in the information on the ActionFraud website, plus a print out of the case number.

 

 

BW Legal had a Natwest sort code and account number which they claim the loan was paid into.

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How long have they adjourned for?

When is the next date for court?

 

Did The judge give you info on the account in question? IE SC / ACC

If so - its time to get a DSAR running ASAP - If this £10 helps you defend better and stops a CCJ Then so be it...

But it needs to go to Natwest - Specifically you want info on the account in question...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thank you fko.

 

 

The judge said that she would ask Natwest to reply by the 17th April and the court will be the next available hearing in 8 weeks.

 

 

BW Legal gave us the account details. So I will do a DSAR to Natwest? If the account is not in my name will they give me the details?

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You can only try - Its a grey area. You are entitled to see all info on you however if it isn't your account then they might not give it

Explain the situation in your letter and see what they say... If the hearing is in the next 8 weeks then should be enough time to get what you need :)

 

Dont stress if they tell you no... It could be that BW Legal are trying to chance it and if they are then good luck to them - Another loss is another smile on my face...

But by sending a DSAR to Natwest you are asking for info on you...

If they do say say no then it could be one of 2 things

 

1) Then you are okay as the account isnt in your name.

2) The letter of the judge has spooked NW and they are legally bound not to as it is now the subject of a Judge's request.

 

But point 2 may never happen. Get on it and do it.!!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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