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. #1
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    Default Prac financial/bw legal headache

    Hi guys

    Any advice on how I can get rid of a CCJ issued by PRAC Financial?

    My credit report states that the default on my loan with Payday UK (whose debt Prac has acquired) is Satisfied as of Jan 2017. Another credit report says its closed. Unfortunately these clowns still want their pound of flesh.

    Ive received two letters. One from Northampton county courticon about the CCJ and one from BW Legal saying I pay the amount of 1,029.

    I dont want to pay another 255 to set aside. I dont want to pay anything to remedy?

    What should I do?

    Maybe write to the court?


  2. #2

    Default Re: Prac financial/bw legal headache

    Hi and Welcome to CAGicon


    I have moved your thread to the appropriate forum..Financial Legal Issues Forum..please continue to post here to your thread.


    Andy

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  3. #3

    Default Re: Prac financial/bw legal headache

    when a creditor sells on a debt they mark their file as satisfied with a 0 balance.

    the debt still existed...

    I will assume you moved, didn't tell your creditors, and they got the backdoor CCJ with everything filed to that address, which is quite legal.

    not sure you can do anything sadly, unless you didn't owe the money?

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  4. #4
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    Default Re: Prac financial/bw legal headache

    You're probably right. if i write to Payday Uk for proof. they'll probably manufacture the same nonsense and add their logo at the top.


  5. #5

    Default Re: Prac financial/bw legal headache

    nonsense to what?
    you owed the money you ran away?

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  6. #6
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    Default

    ran away? if i ran away Id be a sunnier climate.
    instead im still in london on this forum trying to sort this money I don't owe but has been labelled as a default.

    orangeicon did the same (another debt I didnt owe)and realised the error if their ways by cancelling the debt.

    I expected the same of PayDay Uk. how wrong was I.

    sorry if wasn't clear.

    i thought with time it would disappear. ive disputed this loads of times but it hasnt been removed from my credit file


  7. #7

    Default Re: Prac financial/bw legal headache

    its there for 6yrs paid or not.

    ok lets resit things else we'll go around in circles all day...

    are you indicating you never had a this PDL?

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  8. #8
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    Default Re: Prac financial/bw legal headache

    i had it and several others under PDUK. All paid off apart from one they're saying isnt. its been sat in my credit file as default, whilst ive disputed it.


  9. #9

    Default Re: Prac financial/bw legal headache

    did you send PDUK an SARicon before they sold it on
    why do you think it was paid off?
    was it part of a refinance chain?

    sadly although not nice, they are within their legal right to sell it onat anytime
    what puzzles me is how come the fleecers got a CCJ you knew nothing about?

    did you moved address and not inform people?

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  10. #10
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    Default Re: Prac financial/bw legal headache

    i forgot about it whilst i was dealing with mortgageicon lenders to buy a house. i was aware of the 6 yearsicon credit file status and assumed it would disappear after that time had past.

    i quickly got bored of chasing them and more important things to deal with, as we all do


  11. #11

    Default Re: Prac financial/bw legal headache

    Quote Originally Posted by Hajme1 View Post
    i forgot about it whilst i was dealing with mortgageicon lenders to buy a house.......i quickly got bored of chasing them and more important things to deal with, as we all do
    How did you end up with a CCJ? Did you ignore the claim formicon?


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