Hey all,

I received a letter from BW Legal last month in the form of a "letter of claim".

The letter stated that they where acting on behalf of their client Parc Financial's, who bought the debt from PD UK

I am given until the 13th July 2018 to reply to the letter.

If i didn't pay or set arrangement to make payments for the balance of £206.74,

I could occur additional fee's such as interest, court and solicitor fee's making the balance £306.

The particulars of the debt stated that I entered an agreement with PD UK on the 28th June 2013, prior to being purchased by Parc Financials on the 9th December 2016. Because of how long ago this was, I am unsure if i did receive a letter / notification of this at the time, but I do not believe i did.

No other supporting documents or as such were provided with this letter, only a reply form.

According to my credit report, I defaulted with PDUK on the 01/02/2014.

I also noted an open account for Parc financial for the same amount.

Interestingly enough, I dag through my old email that i used at the time which I couldn't trace any contact from PDUK regarding the debt or notifying me of it being sold.

However, I did find an email from BW Legal on the 5/3/2017 as a "Final Request For Payment" and another email on the 7/12/2017 as a "letter of claim".

The difference between the two is that the earlier said "may" and the letter received last month says "will".

It is worth mentioning I do not remember the debt amount though I know I did borrow money from PDUK

It was such a long time ago when I was 18-19 years old, unemployed and had a CCJ at the time from Wonga (stupid young mistakes eh).

What would be my best course of action?

Seeing as so many people seem to be in or faced the same situation as am I.

Thanks in advance

Was it a letter before claim, or did you recieve a brown envelope with a claim form in it.

It was a letter before claim, came in a branded BW Legal letter.

It was a letter before claim and not an actual claim letter, should I still complete this? Sorry newbie here :/

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

do as post 4 here

dx