Hi to anyone reading.

It's been a long time since I had to post anything here.

My life isn't perfect but I've had no issues to deal with that might require your help, until now.

As the title says,

I received a letter from BW.

It's to do with a PayDay loan taken out in July 2009.

I had issues to deal with round about that time.

Long story short, I forgot all about it.

BW claim there was a £10 payment made in March 2012.

I am 100% sure I did not make any payment.

BW claim I did, and that the CC process would start if I did not agree a payment plan.

I told them (BW) that this is now SB.

They are addamant that it's not.

Why would someone take a loan and then wait nearly three years to make a payment and then make no further payments at all?

The OC was PayDay UK, and it was allegedly assigned to PRAC (!!!)

I know how the claim process works

but they (BW) says they have proof I made a payment,

or that someone made a payment on my behalf.

I didn't, and why would someone make a payment for me.

As always, any help would be very much appreciated. Thank You.

Regards

Signaller.

so are you saying you have a claimform?

or its just a threat-o-gram and you've started pointless letter tennis with them?

Hi

I think it's reasonable to assume they HAVEN'T actually issued court proceedings a they have threatened to.

The oldest trick in the book is to state a payment was made but they cannot prove it by the simple request to them saying where, when, who and by what means was this 'alleged' payment made. They might reply but I bet if they do, they will gloss over this fact.

I don't see this going anywhere near a court room.

Thread moved to the appropriate forum.

Regards

Andy

Thank you for replies so far.

I hope you're all well.

It is, just as you say, a threatogram.

Normally I wouldn't phone them at all but as I know it is SB I thought if I phone them and point this out, that would be it.

Seems I may have made a mistake.

I did get threatened with the usual 'if you don't pay' etc, at which point I told him to do what he wants and prove I have made a payment.

The funny thing was, he said someone else must have made the payment on my behalf!!!

If I do hear from them again I will obviously let you know.

Regards

Signaller

even if they did

they would have to prove the other person had your written authority else it don't count.

Desperate desperate clowns!

Only ring them again, if you wish to bait them, and try and record the call, give everyone a bloody good laugh at their desperation...

Have you checked your credit files recently?

£10 might suggest a SAR to the OC??

But I forget it's nearly Christmas and they're after gullible mugs to fund their party.

The only mugs here, are those who work in this morally bankrupt industry.

Desperate desperate clowns!

 

Only ring them again, if you wish to bait them, and try and record the call, give everyone a bloody good laugh at their desperation...

 

Have you checked your credit files recently?

 

£10 might suggest a SAR to the OC??

 

But I forget it's nearly Christmas and they're after gullible mugs to fund their party.

The only mugs here, are those who work in this morally bankrupt industry.

Just what i thought. Have you had a letter of claim yet?

Put them to strict proof on how this payment was made, where it was made from etc