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BW Legal / Prac financial - 5 months after CCA Request


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Hi,

 

 

Last year around June I received a letter from BW Legal (on behalf of PRAC Financials) over a payday loan debt of £305.74 owed to PayDay UK. This letter came in the form of a claim form for me to complete. Following advice I found on this forum as well as online, I completed the form by ticking the ‘need more information checkbox’, requested for proof, contract signed etc as well as a CCA request with the required £1 postal order.

 

 

BW Legal then replied to this and the CCA request by telling me they would get back to me in 30 days. 6 weeks later, another letter was received indicating to me that they were unable to get into contact with PRAC financials and they would be in contact as soon as possible. I haven’t heard from BW Legal for nearly 6 months until the beginning of this year.

 

 

Now, I have received a letter offering 20% of the debt (if I agree by the 9th of this month), and if I don’t they would proceed court proceedings. They have completely ignored our previous communications and weirdly it seems that they have put the £1 postal order as a payment made towards the amount owed? (A second sheet was a balance sheet 7th December 2017 - 7th December 2018 and it shows the postal order was a subtraction from the total debt).

 

 

What is my best approach to take from this? I have kept all letters and communications to and from, aside from the last letter indicating PRAC didn’t get back to BW Legal in time which I have seemingly misplaced.

 

 

Thanks,

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ignore them

send the original creditor an irresponsible lending claim

and any other PDL's you have

esp if your credit file was crap at the time.

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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