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Prac financial/bw legal headache


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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 Court 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?

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Hi and Welcome to CAG

 

 

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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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?

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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nonsense to what?

you owed the money you ran away?

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

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.

 

Orange 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

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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?

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

did you send PDUK an sar 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?

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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